Business Australia and Aon

Insurance for Business Australia members

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Insurance for Business Australia members

Helping protect your business sits at the heart of what we do. Understanding what insurance you might require can sometimes be complex whether you’re a small start-up or a larger well-established business. Through Aon, you can access a broad range of market-leading insurance solutions for your common business requirements, no matter your industry or sector. 

Aon is one of Australia's largest Insurance brokers, and recommended by Business Australia. We are proud to assist members of Business Australia with their risk and insurance requirements. You can speak to an experienced friendly broker to understand your insurance needs in any of our 35 branches across the country and get a quote.

Is your current insurance right for your business?

If you have more complex insurance requirements and run a medium-sized or large business, talk to us today to receive a complimentary review of your current insurance.

We’ll explore general gaps in your current insurance program and provide you with a report that helps you understand where your insurance coverage could be improved.

How it works

1. We will send you a no-obligation proposal to perform a review of your program.
2. A complimentary insurance review will be done by us.
3. You’ll receive a report of the review findings and our recommendations.

Why Aon?


Working with an Aon broker is time well spent

At Aon we understand the importance of an accessible broker for our customers. This sits at the heart of what we do. Our team of experienced, friendly insurance brokers have the expertise to help you understand business insurance solutions across a range of industries, and sectors from health to manufacturing to financial organisations. Whether you’re in the boardroom or the workshop – we’re here for you.

Our team of brokers are committed to helping you identify the appropriate insurance for your business. Rather than take a ‘one size fits all’ approach, we take the time to get to know the general ins and outs of your business, identify potential gaps in cover, and offer a range of tailored solutions based on your common industry requirements.

Insurance solutions for your businesses needs

  • Catering to business of all sizes - No matter your industry or where you are in your business journey, Aon can work with you in tailoring a program suitable to your needs by offering you a range of options suitable for your industry. You have the choice with Aon: speak to a friendly local Aon broker, or get an easy online quote today. 
  • We work with leading insurers – Aon has a deep understanding of the risks that businesses face. We negotiate with leading insurers to offer insurance solutions at competitive prices.
  • A range of insurance options – Whatever your business insurance needs are, Aon help arrange an insurance program that addresses the requirements of a range of businesses.
  • Efficient claims management - We’ll work to pursue a timely and positive settlement of your claim. Our dedicated team of claims experts leverage their industry knowledge and established presence in the insurance market to advocate for you.
Explore our most popular insurance products for businesses:

Business Insurance1
Business insurance is designed to protect your business and its assets (including equipment) against certain unexpected events. For example, it can include cover for damage to business premises and/or equipment caused by fire, storm, theft and other insured events.Cover is also available for damage to money (if you keep cash on premises), and portable contents such as mobile phones and laptops.
Professional Indemnity1
This provides cover in the event a third party alleges that you have been negligent in performing your services or giving advice, and as a result, they have suffered financial loss. Professional indemnity insurance may cover the cost of legal representation, as well as compensation you’re required to pay as result of the claim.
Public Liability
Public liability insurance is designed for professionals who interact with customers or members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business operations at your workplace or another location.
Management Liability1
If you own your own business, you’re likely responsible for making some big decisions. Management liability insurance is designed to cover you and your business against actual or alleged mismanagement of your business. Management liability insurance can also help cover employment practices claims made against you by current or former employees.
Cyber Insurance1
60% of small businesses go out business 6 months after a cyber breach. ^Each year cyber threat exposures have increase  d in a more digitally reliant marketplace, so arranging appropriate cover may be key to protecting your business. Cover benefits can include first party coverage, third party (liability) coverage, Incident response and cyber crime insurance.

Frequently Asked Questions
For Business Australia members. Here are some questions commonly asked.
What is Public Liability insurance and what would it cover me for?
Public liability helps cover you for third party property damage and personal injury for which you are found legally liable.1 For example, if there is a spillage at your business premises and you haven’t yet cleaned it up, and someone slips injuring themselves, the individual who has been injured can make a claim against your business for the injury. In this circumstance, your public liability policy may respond to such an event subject to the policy terms and conditions.
What is the difference between Professional Indemnity insurance and public liability insurance?
Professional Indemnity insurance can help protect your business against claims made by third parties arising from your negligence and/or act, error or ommission in the peformance of your professional services. Public Liability insurance, as indicated above, helps cover the costs associated with a third party’s claim for personal injury or property damage or due to products that are sold or supplied through your business for which you are found legally liable. 
Who might require professional Indemnity Insurance in Australia?
Professional Indemnity insurance is a mandatory requirement for some professions in Australia, including some registered professions or as part of a professional membership. The level of PI insurance required can vary by profession where required. Even if PI insurance is not mandatory for your profession, your clients may require it. Before some clients hire you, they may want to see proof of your PI insurance. This can help assure them that your business has access to additional protection to deal with a worst-case scenario.
More FAQs
I am considering a Business Insurance package, what can I be covered for under this?
Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is available for damage to business premises and/or equipment caused by fire, storm, theft and other insured events. You can also take out cover for money (if you keep cash on premises), portable contents such as mobile phones and laptops, and public liability.1

What is Business Interruption and what would it cover me for?
Business interruption includes protection for lost revenue in the event your business is unable to operate as usual due to an insured peril, which are unforeseen and catastrophic  events that cause loss or damage to property such as storms, floods and similar events. Insured perils will normally be listed in the policy documentation and can differ between products and insurers.1​

What do I do if I have a claim?
You will find details of how to make a claim in the policy wording you receive from us. If   you need to make a claim, please call Aon on 1800 318 055 or email us at and we’ll provide you with a claim form to start the claims process. We’ll also work closely with you throughout the claims process and assist you to help achieve a settlement of your claim as efficiently as possible.

If I need a certificate of currency, how can I obtain this?
We can certainly assist with this once you’ve taken out a policy. Simply call Aon on 1800 318 055 or email us at

I’m expanding my business and not sure if I need to update my insurance program, who can I speak to?
We can certainly update your insurance program. Contact Aon on 1800 318 055 or email us at and we can assist you with arranging cover for your newly expanded business.

What’s the excess and when do I pay this?
Excess is the amount you must pay if you make a claim on your policy. When you make a claim, the insurer will either deduct the applicable excesses from the amount paid to you or direct you to pay the excess to the insurer, or to the appointed repairer. Please refer to your policy wording for further information.

Is flood cover available in the policy arranged through Aon?
You can request cover for flood at an additional cost depending on your location. Flood liability can cover you for expenses arising from damage resulting from floods.1 Please contact us on 1800 318 055 or email us at and we can provide you with a quick and easy quote.


Ways to get in touch

Call 1800 318 055

8:30am - 5:00pm AET
Mon - Fri (except public holidays) 

1  Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information or contact us.

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© 2020 Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL no. 241141 (Aon)

The information contained on this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as the relevant Product Disclosure Statement (if applicable) and full policy terms and conditions available from Aon on request. All representations on this website in relation to the insurance products we arrange are subject to the full terms and conditions of the relevant policy.