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What is Business Insurance?

Business Insurance is designed to protect your business and its assets against liability and unexpected events. For example, if a fire damaged your office and you were no longer able to host clients on the premises, it can include cover for the cost to repair the damage. It can also include public liability, and coverage for financial loss you incur from not being able to operate due to an insured event.

As specialist brokers, Aon can arrange insurance tailored for risks commonly faced by small businesses, giving you the confidence of quality cover at a competitive price.

Why do I need Business Insurance?

Your business is more than your job – it’s your passion, and your livelihood. So if there was a fire, or if a customer was to slip and injure themselves whilst on your premises, the cost of keeping your business afloat could be very high. This is where insurance can step in and help cover the cost to repair the damage, or to help cover damages you become legally liable to pay so you’re not forced to pay out of your own pocket.

Industries

We offer tailored products for a wide variety of Industries and professions.

Health Professionals
Entertainment Industry
Real Estate Industry
Professional Services
Design Professionals
Consultants
Health Professionals
Entertainment Industry
Real Estate Industry
Professional Services
Design Professionals
Consultants
Hospitality Leisure
Not for Profits & Charities Other Business Types

Why Aon?

Small Business Insurance. Easy.

Easy to Understand

  • Easy to digest information about insurances your business needs
  • Experienced, friendly brokers on 1300 836 028

Easy to Buy

  • Quick quotes online
  • Purchase in just a few clicks
  • Pay monthly options available

Easy to Manage

  • Manage your renewals easily
  • Adjust your policy anytime
  • Request certificates of insurance quickly and easily
  • Assistance in complex claims

Why choose Business Insurance through Aon?

Aon is committed to making life easier for small and medium business owners with insurance that’s easy to understand, buy and manage. If you’re a small business owner, your job is anything but small, so when it comes to protecting your business with the right cover, it helps to have an expert on your side.

You can compare covers and take out a policy online in just a few clicks. But if you need help, our team of friendly experienced brokers are a phone call away, so you can have confidence you’re making a better decision for you and your business.
What does Business Insurance typically cover?
Public Liability
Third party personal injury or property damage that occurs as a result of your business activities.1
Contents
Loss or damage to your contents and stock as a result of fire, storm or other insured events.1
Theft
Loss or damage to contents or stock resulting from theft or attempted theft at your premises.1
Glass
Cost to replace internal or external glass that is damaged or broken.1
Business Interruption
Cover for lost income resulting from an insured event.1
Money
Loss, theft or damage to money belonging to your business whilst on your premises, in transit or at your private residence.1
Glass
Cost to replace internal or external glass that is damaged or broken.1
Portable Equipment
Cover for loss or damage to your portable contents, such as laptops, mobile phones and tools.1
Buildings
Cover for the cost to repair damage to your building (if you’re the owner) if it is damaged by an insured event.1
FAQs
Frequently Asked Questions
Here are some questions commonly asked by clients.
How much does Business Insurance cost?
The cost of Business Insurance varies by the types and levels of cover you select, and the profession you’re in. To get a quote for Business Insurance, click here.
I’ve already taken out Professional Indemnity Insurance – do I need Business Insurance as well?
Whilst Professional Indemnity Insurance helps cover claims made against your business by customers alleging they suffered financial loss due to your services or advice, this doesn’t cover your physical premises or contents if they’re damaged by an insured event. It also may not include cover for your legal liability in the event of personal injury or property damage to a third party cause by your business operations.
Can I pay for my policy monthly?
Yes, you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding2 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 1300 836 028 or by email on customer.service@aondirect.com.au
How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1300 836 028 during business hours. 
Explore more FAQs
But I am a professional consultant - I dont have stock for sale, why do i need business insurance?
Even if you don’t have any stock for sale on your premises, if an insured event damaged your office and you could no longer access your computer/network drive, this would affect your ability to service clients. Business Insurance can help to cover the cost to restore access to your data and devices, as well as the lost income you incur during this period. Additionally, Business Insurance can help cover your liability for third party personal injury or property damage.

What are your opening hours?
Our opening hours are 8.30am to 7.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email clicking here and your query will be picked up on the next business day.

How do I renew my policy?
Your renewal offer and schedule will be sent to you via your elected email address, approximately 30 days before your renewal date. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). You will need to notify us if your business has gone through any of the following changes:
  • Changes in your activities that may require amendments to your policy;
  • Facts or circumstances which may result in a claim against you in the future that have not already been reported to Aon
  • Income has increased by more than 20% or
  • Fee income exceeds $1,000,000 per annum.
If you are happy with the offer and wish to accept, it is important that you make your payment by the date specified on your tax invoice so that you remain insured.

What if I need to make a change to my insurance?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.

Should your circumstances have changed, for example you have moved or the value of your building or contents have changed and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1300 836 028.

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Products
We arrange a range of covers for small businesses from a variety of industries.
Professional Indemnity
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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 injury or financial loss. For example, a client may allege that your advice had a negative impact on their health and take legal action against you. Professional Indemnity insurance may cover the cost of legal representation, as well as compensation you’re required to pay as result of the claim.2

For some professions, Professional Indemnity is a mandatory requirement. But whether mandatory or not, it is an important cover to consider and can be crucial in protecting your business activities.
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Public Liability Insurance
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Get a quote
As design professional, it’s likely you visit sites; meet with clients at your office, their office or out in public. Public liability insurance is designed to protect your business from claims made by a client, contractor, or a member of the public for accidental injury or damage to their property. This could arise from an incident on your business premises or as a direct result of your business operations. Public and Products Liability Insurance through Aon is available as part of a Professional Indemnity Insurance Policy.
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Business Insurance
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Get a quote
This insurance helps cover the cost to repair or replace your business property (such as your computer and equipment) following a fire, storm, or vandalism, and can include cover for interruption to your business as a result of a covered event.
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Cyber Insurance
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Get a quote
This helps cover expenses and legal costs associated with a data breach or cyber attack. Costs can include computer expert services, data recovery, ransom and legal costs. As an design professionals’ business, the valuable information you hold about the projects you work on may make you a very appealing target for cyber criminals, so Cyber Insurance should be a cover to seriously consider when deciding which policies to include.
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Product Liability
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Get a quote
Helps protects your business against financial liability for third party injury or damage caused by products sold or supplied through your business.1
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Management Liability
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Get a quote
Management Liability is designed to protect you as a business owner and manager against allegations of mismanagement and actions brought by regulatory authorities.
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Workers’ Compensation
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Get a quote
Workers’ Compensation Insurance covers an Employer’s liability to a worker for injuries arising out of their employment. Workers’ Compensation Insurance is mandatory but the requirements and legislation varies between the different States and Territories so you should check before making a decision.
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Personal Accident
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Get a quote
Personal Accident insurance can protect you in the event of accidental injury, providing a lump sum payment or covering your loss of income to help give you the financial support you need.2

Depending on your individual needs and circumstances, Personal Accident insurance can be tailored to cover you for injuries sustained at work, on your journey to work, and/or anywhere, covering you 24/7.

Everyone’s professional and personal circumstances are different, and that’s why it’s important to get the right insurance mix to support your individual needs. If you would like to find out more about insurance coverage, please contact the Aon team on 1300 836 028.
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Car and Home Insurance
1300 134 256
1300 134 256
Aon arrange a variety of personal insurance products for our clients including Home, Contents, Motor, Landlords, Boat and Caravan insurance.1

If you like to keep all your insurances in one place, please talk to one of our advisors about our options and pricing.
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Mon - Fri (except public holidays)

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1Subject to the full terms, conditions, exclusions and limits of the policy.

2Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.