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Business Insurance

Personal Accident and Sickness cover

Personal Accident and Sickness cover is no longer available for purchase to new and existing customers.

For existing customers who have Personal Accident and Sickness cover, the terms of your current coverage will continue to provide you with the Personal Accident and Sickness insurance for the remainder of your current policy term.  The Personal Accident and Sickness insurance cover will be removed at the time of the renewal of your insurance policy.

There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.

Choose the right cover to suit your business
  • Choose the coverage for your business needs
  • Insure your business against a wide range of events
  • Claim online or over the phone.

Business Insurance Pack

A wide range of cover options that can be tailored to protect the operations, assets and individuals within your business.

  • Provides coverage for small to medium business
  • Offers cover for Public and Products Liability within Australia
  • Get a quote and purchase your insurance cover online
  • Quick and easy claims process
  • Pay by the month.^

Trades and Services Pack

Insuring your business for Public and Products Liability, General Property and Commercial Motor can give you peace of mind and let you get on with the job. 

It also offers:

  • A quick and easy claims process
  • Pay by the month.^

Office Pack

Insurance designed for office based professionals with one easy package that can be tailored to your business.

It also offers:

  • A quick and easy claims process
  • Pay by the month.^

^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

  Business Insurance Pack Trades and Services Pack Office Pack
Public and Product Liability

Covers for amounts the business is legally liable to pay as compensation for personal injury, advertising liability and / or property damage occurring within Australia as a result of an occurrence in connection with the business

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   * Does not include Product Liability

General Property

Cover provided for damage anywhere in the world to insured property such as portable tools and equipment used by the business at client sites or taken home by employees

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Material Damage (Optional Flood Cover) known as Commercial Property in Business Insurance Pack

Covers property insured that is accidentally damaged which is not otherwise excluded

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Business Interruption

Covers the business for consequential loss of income and/or profits or revenue resulting from the interruption of / or interference with the business caused by a defined event


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Covers property insured which can include contents and stock held at the business following forcible and violent entry, armed hold ups, assault or violence

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Covers loss of money in transit, money on the situation, money in a locked safe and money in your personal custody while in a private residence until the closing time on the next business day

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Covers accidental breakage of glass with several additional benefits

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Machinery Breakdown

Covers the costs of repairing or replacing machinery after a breakdown

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Electronic Equipment

Covers damage to insured computers and or electronic equipment which you have specified on the policy

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Management Liability

Directors and Officers Liability

Covers any of the directors and officers against a breach of duty, breach of trust, act, error or omission for a claim that is first made and reported to us during the period of insurance

Employment Practices Liability

Covers the business for claims made against you for a specific employment practices breach, such as discrimination, wrongful dismissal or sexual harassment.

Tax Audit

Covers the professional fees such as an accountant, reasonably and necessarily incurred within Australia in connection with an audit of the business' financial or tax affairs by an Australian statutory authority


Covers the loss of property due to the unlawful taking of property by an employee, with the intent to cause loss to your business or to benefit themselves or any other person or organisation

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Transit known as Goods in Transit in Business Insurance Pack

Covers the business for damage to property insured while in transit anywhere in Australia

Professional Indemnity

Covers your business and any insured person against civil liability for damages arising from the provision of or failure to provide Professional Services

Commercial Motor known as Commercial Vehicle in Business Insurance Pack

Covers your business vehicles with multiple cover options including comprehensive, fire and theft and third party property damage only


How to Apply

To obtain a PDS or to find out more about business insurance options, call a business insurance specialist on 1800 825 866 Monday to Friday 8am - 7:30pm (Sydney Time).

For Business Insurance Pack get a quote and apply online

How to claim

To make a claim, call 1800 825 866, 24 hours a day, 7 days a week.

To lodge your claim you'll need

  • Policy information, including your policy number
  • Information about the incident
  • Where the damage occurred, people, vehicles and/or property involved.


How to apply

The Detail

Business Insurance is issued by Allianz Australia Insurance Ltd ABN 15 000 122 850 (Allianz). Bank of Melbourne - a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) refers clients to Allianz for their business insurance needs, but does not guarantee the insurance. 

If you take out Business Insurance with Allianz, the Bank will receive a commission of 14% of the first year’s premium and 10% of the premium for any renewals (exclusive of GST) and may also receive a step-up commission based on annual sales of certain general insurance products by Allianz. Policy terms, conditions, limits and exclusions apply. 

This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1800 825 866.

A target market determination has been made for this product. Please call 1800 825 866 for the target market determination.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

Bank of Melbourne's Privacy Policy is available at or by calling 13 22 66. It covers:

  • How you can access the personal information Bank of Melbourne holds about you and ask for it to be corrected;
  • How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Bank of Melbourne and how Bank of Melbourne will deal with your complaint; and
  • How Bank of Melbourne collect, hold, use and disclose your personal information in more detail.

© Bank of Melbourne - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714