AJ Insurance — The Best Business Insurance in Australia

Tailored Insurance Policies To Safeguard Your Operation.

Large or Small Business Insurance in Australia

Whether you’re a small local grocer or a substantial global manufacturer — your operation requires the best business insurance Australia can offer.

Building, maintaining, and growing your enterprise requires significant investment — both financial and your invaluable time and hard work.

Don’t allow the unexpected to threaten its existence.

AJ Insurance Services delivers the complete protection your business deserves. Working alongside you, we create bespoke insurance packages — whatever your scale or industry type — to shield against unfortunate events.


Reassuringly pro-active, we help you identify key areas of risk inherent to your operation — not just minimising the likelihood of claims, but working to achieve pleasingly competitive premiums.

Our Business Insurance Types

Business Package Insurance

Designed for small-to-medium businesses with relatively uncomplicated requirements, our Business Package Insurance delivers a straightforward and affordable method of addressing the crucial areas of SME protection — including commercial property, business interruption, public liability, glass cover and additional risks.

General Liability Insurance

Although not compulsory insurance for business in Australia — it’s extremely valuable. General Liability covers third-party property damage or personal injury that occurs as a result of your business’s operations. This can include straightforward slips, falls, and trips through to negligent practices and errors in the execution of your work.

Motor Fleet Insurance

Our Motor Fleet Insurance allows you to protect your vehicles — of any size or type — on one policy. Not only does this provide a more cost-effective solution than numerous individual insurances, but also means a single renewal date and enables effortless addition and removal of vehicles as your business requires.

Professional Indemnity Insurance

If you, or other members of your operation, provide advice to third-party businesses, operations, or organisations — Professional Indemnity Insurance is crucial. It shields your enterprise against claims for losses made as a result of errors, omissions, or negligence resulting from your counsel.

Professional Risks Insurance

A wide-ranging cover that can be tailored to suit the inherent risks in your operation. Professional Risks Insurance defends against liabilities arising from the management of your business or its professional services. It can include professional, management, ICT, and multimedia indemnity.

Management Liability Insurance

If you, or other members of your operation, provide advice to third-party businesses, operations, or organisations — Professional Indemnity Insurance is crucial. It shields your enterprise against claims for losses made as a result of errors, omissions, or negligence resulting from your counsel.

Employment Practices Liability Risk Insurance

If your enterprise employs others, Employment Practices Liability Insurance is priceless. This protection addresses claims made by current or prospective employees against your employment or management practices. It includes discrimination, harassment, unfair dismissal, and bullying — but not wage underpayment or failure to pay benefits.

Directors & Officers Liability

Often referred to as D&O, Directors and Officers Liability insurance defends your business managers and executives against alleged claims of wrongful acts. While tailored to your operation, it typically addresses areas such as breaches in trust and duty, errors, misleading statements, errors, and neglect.

Ideal for any business with digital data or online terminal access, Cyber Liability Insurance safeguards your operation from malware, phishing, hacking, and other security breaches. It addresses both first and third-party claims — which can include financial losses, fines, legal fees, and customer notification expenses.

Landlords Insurance

Ideal for your operation if you lease units, residences, or office space. Landlords Insurance provides cover for your property and/or its contents — not just from claims arising from natural events such as floods, but also against tenant vandalism and fixture theft. It can provide reimbursements for rent loss, default, and making good.

Home Insurance

Addressing your most personal asset, Home or Householder’s Insurance — also known as Home and Contents Insurance — addresses the costs of replacement or repair to buildings, fixtures and fittings, and contents incurred through an insurable event. This can include fires (home, bush and grass), storms, accidental damage, and break-ins.

Car Dealership Insurance

Whether you retail vehicles from a showroom, garage, or even your home — our Car Dealership Insurance is crucial. Not just protecting your valuable car and motor stock — it also shields machinery and equipment, office contents, dealership key security, and recovery and roadside assistance claims.

Property Owners Insurance

Should your enterprise invest in commercial property, Property Owners Insurance delivers highly flexible cover suitable to your operation’s needs. On top of bricks and mortar, it can also address public and product liability, theft, and safeguarding against negligence while others run their enterprise from your premises.

Industrial Special Risks Insurance

Operations with significant assets need protection with Industrial Special Risks (ISR) cover. It safeguards both physical bricks and mortar (offices, manufacturing plants, outlets, warehouses, etc.) as well as materials, machinery and electronic equipment, burglary, theft and accidental damage.

Hospitality Insurance

Whether you operate a restaurant, cafe, bakery, pub, or nightclub — our Hospitality Insurance package delivers reassuring protection to defend your business. While focusing on your particular risks, our policies typically address Public and Products Liability, Equipment Breakdown, Property and Contents, and Goods in Transit.

Retailers Insurance

Whether you’re a shop, online business, or mobile seller — our specialised Retailers Insurance delivers welcome peace of mind. Depending on the specific needs of your operation, it can include public and product liability, damage to your property, loss of stock, and business interruption.

Solar Installer Insurance

Targeting renewable energy enterprises, our Solar Installer Insurance provides comprehensive cover for panel fitting businesses. Covering both large and small operations, protection can incorporate trade tools, professional indemnity insurance, public liability, and vehicle safeguarding.

Electricians Insurance

Whether you’re a sole trader, or run an entire team of sparkies, our Electricians Insurance addresses the key areas of risk in your business. Depending on your enterprise’s size and duties, it can feature tools, contract works, vehicle, and public liability cover — as well as often excluded solar installation.

Tradie Insurance

Specifically created for Australia’s essential workers and tradie companies — such as bricklayers, carpenters, plasterers, and general handypersons — our Trades Insurance addresses the risks and hazards specific to your operation. Depending on your exposures, it can incorporate motor, tool, property, and public liability cover.

Trade Tool Insurance

If you’re a tradie, your kit is the lifeblood of your business. Our Trade Tool Insurance protects your essential equipment, by providing welcome reimbursement should your tools be stolen or suffer accidental damage. In most cases, we can incorporate tool cover into your public liability policy.

Call Us NOW for all Your Large or Small Business Insurance Requirements

Businesses We Insure

At AJ Insurance, we can service all business types, sizes, formats, and trades. However, we have developed a few focused packages for some specific operations with specialised cover requirements.

Our targeted business insurance in Australia includes:

AJ Insurance Services — Always On Your Side

We have a singular mission — to defend your business.

From sole traders to partnerships, SMEs to global enterprises, AJ Insurance guarantees the same exceptional level of service, advice, and operation protection.

Working out of Western Sydney, our team of business insurance experts will provide face-to-face or online consultations to deliver policies specifically tailored to your trade or industry.

And, with reassuring action-based risk mitigation and proactive claims handling — AJ Insurance Services is on your side for the long term.

AJ’s Business Insurance Services FAQs

What Business Insurance Do I Need?

Current Australian legislation dictates that your business needs, at the very least, third-party motor cover (if your business utilises vehicles) and worker’s compensation protection.

However, additional shielding is crucial to minimise operational threats. AJ Insurance Services will work with you to identify the key risk areas inherent to your enterprise — and tailor targeted cover to safeguard your business.

How Much Business Interruption Insurance Do I Need?

If an unexpected event such as a fire, storm, or flood prevents or affects your ability to trade, and results in a property damage claim — Business Interruption Insurance addresses your loss in gross profits.

The most straightforward method of calculating the scale of your cover requirement is to deduct the cost of goods and casual wages from your annual turnover — leaving you with the total sum that needs to be insured.

How Much Small Business Insurance Do I Need?

The level of insurance required by your small business depends on both the nature and scale of your particular operation. Generally speaking, the most cost-effective, convenient, and thorough method of SME cover is to opt for our Business Package Insurance

This typically includes commercial property, business interruption, public liability, glass cover and additional risks. Working together, we can customise your policy to address any specific requirements demanded by your enterprise.

What Insurance Do You Need To Start a Business?

Insurance requirements vary depending on the type of enterprise you undertake, whether you have employees, and the risks inherent to your operation. AJ Insurance services will assist you to identify and minimise these threats, and suggest suitable cover to safeguard your business.

Typically, these can include:

Who Needs To Have Professional Indemnity Insurance?

If you, a partner, or employees of your business, deliver advice to third-party individuals or organisations — you need Professional Indemnity Insurance. It delivers welcome peace of mind by safeguarding your operation from costly claims resulting from negligence, omissions, or errors encountered by following your counsel.

Who Needs Professional Indemnity Insurance Australia?

Professional Indemnity Insurance addresses claims against your business for losses and claims resulting from alleged negligence in your advice or actions. While not an exhaustive list, this applies to professions in Australia such as:

  • Life coaches
  • Accountants and bookkeepers
  • Lawyers
  • Accountants
  • Health workers
  • Doctors
  • Architects and surveyors
  • Engineers
  • Finance, mortgage, and insurance brokers
  • IT consultants
  • Veterinarians
  • Tutors and teachers
  • Personal trainers

Speak to AJ Insurance Services to find out if you or your business would benefit from the safeguarding provided by Professional Indemnity Insurance.

What Does Public Liability Cover?

Public Liability Insurance defends your business from claims arising from accidents, injuries or fatalities experienced by third parties as a result of your business operations. It can also include accidental damage to goods and property owned or in the custodianship of others.

How Long Does Public Liability Insurance Last?

Public Liability Insurance typically lasts for 12 months from the commencement date of your policy.

How Does General Liability Insurance Work?

Like Public Liability Insurance, General Liability cover safeguards your business from third-party claims relating to injuries, fatalities, accidents, or damage to property — that result from your operation’s activities.

However, it delivers more extensive protection by also addressing any medical costs and legal fees.  

How Much Does Small Business Insurance Cost per Month?

The cost of Small Business Insurance depends on the nature of your operation, its scale, and the inherent threats you’re safeguarding against.

AJ Insurance Services will work with you to minimise risk, and make certain you’re covered for what you need — omitting any irrelevant cover. This ensures that your premiums are pleasingly affordable, while keeping your enterprise sufficiently protected.

How Long Does an Insurance Claim Take?

If you act alone, making and pursuing an insurance claim can be challenging, time-consuming, and confusing.

At AJ Insurance Services, we handle your claims in-house. Solely working on your behalf, we deal directly with the insurer — ensuring they receive all the required detail and information in a timely manner, therefore facilitating the speedy satisfaction of your claim.

Still Have a Question About Business Insurance? Get In Touch

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