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Small Business Insurance

Protection for your business assets

To be successful in business, you want to be able to focus on the things you do best – like looking after your customers and staff. And that means getting the right advice.

Your Resilium Adviser is a local expert who can work with you to come up with a small Business Insurance solution that’s tailored specifically to your needs. It means you can get on with the day-to-day running of your business, without losing sleep over what might happen tomorrow.

With Resilium you can choose from a wide range of cover options and convenient and flexible payment terms. Benefits include:

  • Catastrophe protection for buildings up to an additional 20%
  • An automatic seasonal stock increase up to 35%
  • Employees personal effects cover
  • 24 hours claims service
  • Monthly premium payments to assist with your cash flow. It costs more for pay by the month.

Who’s it for?

Some of the occupations we can cover include:

  • Restaurants and Cafés
  • Motor Mechanics
  • Clothing retailers
  • Electrical retailers
  • Florists
  • Fruit and vegetable retailers
  • Hairdressers and Beauticians
  • Handbag shops
  • Jewellers
  • Health food shops
  • Pet shops
  • Travel agents

…and many more. Talk to your Resilium Adviser.

Your cover options

Your Resilium Adviser will work with you to put together an insurance solution suited to your needs from the following options:

Option What you're covered for
Fire and Other Damage Your building and business contents are covered from certain specific events including fire, storm (not flood), lightning, impact by vehicles, explosion and earthquakes. Accidental damage cover is automatically included up to $250,000.
Burglary If someone breaks into your premises using forced and violent entry, you are covered for the theft of stock, other business contents and electronic equipment in your building.
General Property Cover for items of your choice such as mobile phones and laptop computers, whether you’re in the office or anywhere in the world.


Business Interruption Business Insurance helps to repair and replace your damaged property. Business Interruption Insurance covers you for loss of gross profit or gross rentals following an interruption to your business which was caused by an insured event including fire or burglary, etc.
Glass Breakage You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of sign writing and repair of plastic signs up to $5,000. Any stock damaged by the broken glass is also covered at the cost value.
Public and Products Liability Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault. Find out more about Public and Products Liability Insurance.
Fraud and Dishonesty You are covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone. This fraud and dishonesty needs to be discovered during the insurance period.
Goods in Transit Loss or damage to your goods in transit is covered against specific events.
Money You’re covered for loss or theft of money from certain locations. Any loss of money caused by accounting or clerical errors or theft from staff is not covered.
Equipment Breakdown Your mechanical or electrical equipment is covered, as well as certain electronic devices.
Tax Audit Your professional fees, including legal and accounting fees, associated with a business tax audit are covered.


Get Business Insurance

We can’t help you juggle orders, deliveries, rent, your next GST payment and customer queries, but we can worry about what might happen tomorrow so you can focus on what’s happening today.

If you’re ready to have a chat, simply enter your suburb or postcode in our Adviser Locator to find a Resilium Adviser in your local area.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read and consider the Business Insurance Product Disclosure Statement and Policy Wording before you make any decisions about this product. This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider, with the assistance of your Resilium Adviser, whether it is appropriate in light of your particular objectives, financial situation and needs.

Why Speak to an Adviser?

  • Tailored expert advice with your best interests at heart
  • Get the right Resilium Insurance suited to your needs
  • Personalised service from quotes to claims

 Find Your Local Adviser

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Related Forms & Documents

For policies purchased or renewed on or after 16 April 2019. This is to be read in conjunction with your current PDS.
For policies purchased or renewed on or after 16 Nov 2016 and on or before 15 April 2019. This is to be read in conjunction with your current PDS.