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Business Insurance

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.

Small Business Pack

Designed for small businesses with straight forward insurance requirements with simplified covers

  • Get a quote and purchase your insurance cover online
  • Choose from 8 cover options to suit your business and budget
  • Quick and easy claims process.

Get a quote and apply online

Trades and Services Pack

Covers trades and services occupations working on domestic or light commercial jobs. Cover options include:

  • Public and Products Liability coverage Australia-wide in connection with your business
  • Accidental damage and theft coverage of your insured tools anywhere in Australia.

Office Pack

Designed specifically to provide a wide range of business insurance protection for office based businesses. Cover options include:

  • Accidental damage due to defined events covered up to the building and/or contents sum insured
  • Theft cover up to the lesser of the combined sum insured for contents, stock and customers' goods, or $500,000.

Business Pack

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

  • Provides coverage for small to medium business
  • Public and Products Liability within Australia
  • Personal Accident and Sickness cover for persons insured under the policy.
  Small Business Pack Trades and Services Pack Office Pack Business Pack
Public and Product Liability

Cover for amounts the business is legally liable to pay up to the amount indicated in the policy schedule, as compensation for personal injury and / or property damage occurring within Australia as a result of an occurrence in connection with the business.

Get a quote and apply online
   * Does not include public liability  

General Property

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

Get a quote and apply online

Personal Accident and Sickness

Provides compensation to insured following death, defined injury or sickness

 * Personal Accident Cover only      

Fire and Perils (Optional Flood Cover)

Covers the business for damage to property insured at the situation, which can include building, contents (including computers and electronic equipment) and stock (including customers goods) caused by certain defined events

* Refer to Material Damage Cover   * Refer to Material Damage Cover  
Business Interruption

Covers 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

Get a quote and apply online

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

Get a quote and apply online

Covers the loss of or damage to money during specified events such as whilst in transit, at the business during business hours, held in your personal custody. Money includes items such as coins, bank notes, cheques.

Get a quote and apply online


Covers accidental breakage of glass at the business providing cover for internal and external glass, illuminated/ advertising sign, perspex or plastic signage.

Get a quote and apply online
Machinery Breakdown

Cover provides compensation to the insured for the costs of restoring or replacing machinery after a breakdown. Also covers the reasonable and necessary cost of hiring temporary machinery.

Employee Dishonesty

Covers the loss of money and/ or goods due to the fraudulent or dishonest conduct of an employee, for their own gain or the financial benefit of any other person or organisation.

Electronic Equipment Breakdown

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


Tax Audit

Covers the professional fees such as an accountant, reasonably incurred in connection with an audit of the businesses financial or tax affairs by the Australian Tax Office, or by a Commonwealth, State or Territory Department, body or Agency.


Covers the business for damage to property insured while in transit within Australia caused by an insured event. There is a choice of three levels of cover. This benefit may be helpful for business’ that have more than one location.


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 8.00am - 7.30pm and Saturday 9.00am - 1.30pm (AEST).

For Small Business Insurance Pack get a quote and apply online

How to claim

To make a claim, call a business insurance specialist on 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.

Visit a branch

Find your nearest branch

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.

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