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You agreed that the right Product Disclosure Statement, Target Market Determination and Financial Services Guide is being made available to you by this website and agree with the Online Terms & Privacy Statement. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.

It's important that you read and understand your duty of disclosure and that you answer all our questions accurately.

Your duty of disclosure

What you must tell us

Before you enter into an insurance contract, you have a duty to tell us anything that you know, or could reasonably be expected to know, may affect our decision to insure you and on what terms.

You have this duty until we agree to insure you.

You have the same duty before you renew, extend, vary or reinstate an insurance contract.

You do not need to tell us anything that:

reduces the risk we insure you for; or
is common knowledge; or
we know or should know as an insurer; or
we waive your duty to tell us about.

What happens if you fail in your duty?

If you do not tell us anything you are required to, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.

If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

Have you read and do you understand your duty of disclosure?

Yes

Yes No

You must read and understand your duty of disclosure before being able to continue with your quote. If you need any assistance please contact us on 13 10 10.

Find your occupation

Start typing and select your business activity from the list.

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Primary activities

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Units mainly engaged in

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Yes No

Where is your business located?

Find your postcode and suburb

Which best describes your business?

Business with contents + stock

Mobile business or contractors

What is the expected annual turnover of your business?

Also known as the 'revenue' or 'gross income'

$ .00

Do you have turnover across more than one state?

Yes No

Please provide a breakdown of your revenue earned per state

State

% of revenue

Approx. state revenue

NSW

{value}

VIC

{value}

QLD

{value}

WA

{value}

SA

{value}

TAS

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NT

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ACT

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Total

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Do you want to include any business vehicles in your quote?

Yes No

Is the person to be insured eligible for the NSW small business stamp duty exemption?

Yes No

If you click YES you are declaring that you are a Capital Gains Tax small business entity (within the meaning of section 152-10(1AA) of the Income Tax Assessment Act 1997) for the income year in which this insurance starts, and that you are an individual, partnership,company or trust, which is carrying on business with an aggregated turnover of less than $2 million. A false declaration can result in significant monetary penalties.

Find your occupation

To find your occupation, think of the products or services your business provides and enter them into the search box.

Example

If you work as a domestic plumber, first enter ‘Plumber’ into the search box. From the options shown, choose the description that best matches your work, in this case ‘Plumbing Services’. Refine your choice by selecting the occupation description that best matches your work, in this example ‘Plumber & Gas Fitter’.

If you are having difficulties finding the correct classification, please call us on 13 10 10.

Locks or swipe cards

Locks

Locks that allow the business premises to be secured, from the outside, outside trading hours. Doors that are not used during the day should remain locked to reduced unwanted access.

Swipe card

A swipe card is an electronic key which stores information on a magnetic strip or microchip. This information is read by the locking mechanism of the door fitted with an electronic reader allowing access.

Business address

Enter the postcode or suburb where your business is based or has a registered office. If you don’t have a business premises such as a shop or office, use your home location.

Business Premises

Premises

A business premises is the building, facility, or land that the business occupies to conduct activities. Examples include a retail shop, an industrial warehouse, or a call centre office. If you operate your business from your own home and only use portable equipment, please select ‘My business does not have a premises’.

Business and office furniture, machinery, and equipment used by you in the business.

Stock

Merchandise, stock in trade, and customers goods that you are legally responsible for.

Portable items

Portable items are tools and equipment you take with you in the normal course of your business. Examples include tools of your trade, mobile phones, tablets and laptops.

Business vehicles

A business vehicle is a vehicle you use to conduct your commercial activities, or which is owned by your business. The vehicle may be used for a mix of business and personal use.

The name in which the business vehicle is registered must be the same as the name of the insurance policy holder.

Unregistered business vehicles, such as ride-on mowers and skid-steers, may also be eligible for Commercial Motor Cover.

Expected annual turnover

This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.

You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help you calculate the turnover. Other business records can also help you such as cash books, bank statements, invoices, and your business plan.

Location of business premises

Choose the location option that gives the best and most accurate description of where your business premises is located.

Office building or complex

Premises inside a larger office complex, such as an office suite in a multi story building.

Enclosed shopping centre

Your premises are fully inside a shopping centre which is operated by a management company. This option is for premises which are not on the outside of the building, and not facing the street. If you are in a shopping centre and your premises is street facing then choose "street fronted property in retail area".

Shopping Mall, Village or Arcade

Shops and offices which are accessed via a pedestrian mall or walkway, either enclosed or outdoors.

Street fronted property in retail area

Where your premises face the street in a shopping precinct. An example is a tax agent office situated on a main road.

Industrial Estate

An area developed for the use of factories, warehouses, and other industrial buildings.

Residential Area

A suburb or town area used for housing.

Mixed commercial and residential building

A building which has both residential homes (such as an apartment) and commercial activities like shops or offices.

Wall construction

Choose here what the majority of the external walls of your business premises are mostly made from.

Example

If your premises have a brick frontage and the remainder of the external walls are weatherboard then you should select wood/weatherboard.

Insulated Sandwich Panels

Sandwich panels are made of an insulating material sandwiched between two outer skin layers, such as metal sheets. A typical example is a core of polyethylene foam between layers of aluminium. Sandwich panels are commonly used when constructing cold rooms and refrigerated warehouses.

Other (including fibro or glass)

Other external wall types include mud, cob, and straw walls.

Floor construction

Floor construction refers to the underlying structure of the floor. For example if your floors are carpet laid over a concrete base then you should select Concrete/Brick. On the other hand if the carpet was laid over floorboards then you should choose Wood from the options here.

Fire sprinklers

A fire sprinkler system forms part of the building construction and will automatically spray water when a fire is detected.

Roof construction

The roof is the exterior top of the building your business occupies.

Asbestos

This type of roofing consists of cement sheets reinforced with asbestos fibres.

Concrete

This is where the roof is made of concrete slabs which form a flat or shaped roof surface.

Iron/Steel/Aluminium

These roofs are made of sheets of metal (typically corrugated) which clad the roof frame.

Tiles/Slate

Roofs made of interlaced tiles supported by the roof frame. Tiles can be made of different materials; however clay, plastic and raw slate are common roof tile examples.

Other (including Fibro/Wood)

Fibro roofing is made of flat or corrugated cement sheeting reinforced with non-asbestos fibres. Wood roofing is typically made of wooden shingles, which are interlaced and attached to the roof frame. Other types of roofing materials include earthen or green roofs, and asphalt or rubber shingles.

Alarms

A burglar alarm is one that will detect unauthorised entry into your premises. Your alarm must be in working condition.

A monitored alarm is reviewed by a professional security company. When activated, the monitoring company may send a patrol to investigate, or notify the police, or take other actions to determine the cause of the alert.

Property Damage - contents and stock

This covers your business equipment and stock against loss or damage from events such as fire, malicious damage, and storms.

Contents

Business and office furniture, tools of trade and equipment used by you in the business

Stock

Stock in trade, merchandise and customers goods for which you are legally responsible

Commercial buildings

This covers the building against loss or damage from events such as fire, flood, malicious damage and storms.

If the building is owned by a different entity (such as a landlord), has a body corporate, or is a strata title, you may need a different type of building cover. If you are unsure please call GIO on 13 10 10.

Read more in the PDS.

Theft

This covers the loss or damage to your contents and stock from theft, attempted theft, armed hold up or threatened assault. This does not cover shoplifting of stock or contents kept in the open-air.

Example
Overnight, a person forces entry to your premises by kicking in the rear door. They steal your laptop, the spare business keys, smash your display case and take the stock inside. Theft cover will cover the costs associated with replacing stolen items, repairing the damage, and even replacing the locks to your premises.

Read more in the PDS

Money

This section covers the loss or damage to your business's money caused by events such as theft and fire. Your business money will be covered both when it is:

on your premises during business hours and
in transit

Money includes cash, negotiable cheques, debit and credit card vouchers, money orders, and authorised gift vouchers.

Additional cover for Money at your premises outside business hours, Money in a locked safe or strong room, and Money in a private residence, are available by calling us on 13 10 10.

Read more in the PDS.

Glass

This covers the loss or damage to glass windows, signs and showcases at your premises. Signs are also covered by the glass section up to $8000.

Example

If your shopfront window is broken this covers the cost for a glazier to install a new window. If the window had signwriting on it we will pay the reasonable cost of having new signwriting done up to a maximum of $8000.

Year of manufacture

The year your vehicle was manufactured. This is usually found on the vehicle registration label or registration papers.

Make

The manufacturer of your vehicle. Examples include Ford, Holden, and Toyota.

Model

The name given to a particular range of vehicle within a make. Examples include the Toyota Corolla, Hyundai i30, and the Volkswagen Transporter.

Transmission type

Choose from a manual, automatic, tiptronic, or other transmission type.

Manual

With a manual transmission, you change the gears in conjunction with the clutch.

Auto

An automatic transmission does not have a manual clutch and will change the gears for you as you drive.

Tiptronic

A Tiptronic transmission combines an automatic gearbox and manual transmission. The driver may change gears manually when they choose, otherwise the gears change automatically.

Other

Other transmission types include semi-automatic and clutchless-manual operation.

Number of cylinders

This is how many pistons the engine has and the shape they are arranged in. For example, a V6 is an engine with six pistons arranged in a vee shape. The number of cylinders can usually be found on the vehicle registration papers.

Body type

The body type refers to the shape and door arrangement of the vehicle. Common body types include Hatchback, Sedan, and Cab Chassis (C/chas).

Examples

4D Sedan means a four door sedan, 3D Van means a three door van, and Dual C/chas means a dual cab chassis ute.

The body type can usually be found on the vehicle registration papers.

Insurance cancelled or refused

Declined or refused insurance

This is where an insurance company has declined to enter into an insurance contract with you or refused to offer a renewal of an insurance contract. Where a contract of insurance has been in place, the insurance company will typically send a letter telling you why the cover is being refused.

Restricted cover

In some cases an insurance company may place special conditions that restrict the cover on your policy. These conditions are specific to you and your business operations. This question does not refer to general endorsements on your policy; it’s only for special conditions that have been applied to your insurance contract by your insurer.

Criminal offences

Criminal offences do not consist of fines for minor motor offences such as not wearing a seatbelt or parking, but do include cases where you have been criminally charged and convicted.

You do not have to disclose convictions that are considered ‘spent’ under the Spent Convictions Scheme.

Bankruptcy, receivership and liquidation

Bankruptcy

Bankruptcy is a legal state that an individual may enter when they cannot repay their debtors.

Receivership

Receivership and liquidation applies to companies that become insolvent. In receivership, a receiver is appointed to operate the company.

Liquidation

Liquidation is where a business you have had has been closed and the assets are sold off to repay the debtors.

Prior claims and losses

This policy will insure your business for the covers you have chosen, such as your business Public Liability or Commercial Motor insurance. Over the last three years, for the covers you have selected, have you:

Had more than 3 claims?

Had insurance claims totalling more than $5,000?

Incurred uninsured losses to things covered by this policy totalling more than $5,000?

If you answer yes to any of these questions, please choose 'yes'.

Registration, VIN, and serial numbers

Registration number

This is found on the number plates, also informally called the ‘rego’ plates. This is the identifying number given to the vehicle when registered with the relevant state or territory authority.

VIN

Vehicle identification Number. This is a unique combination of letters and numbers put on to your vehicle by the manufacturer. This can be found on the chassis and on the registration papers.

Serial number

This is an identifying number typically found on vehicles that are not registered to drive on the road, such as a ride-on mower. This will usually be found on the chassis.

Please enter only numbers and letters, without spaces, hyphens or any other special characters.

Business type

This is your Business Type as noted on the Australian Business Register (ABR).

Sole trader

An individual trading on their own.

Partnership

Two or more people or entities running a business together, but not as a company.

Company

A legal entity separate from its shareholders.

Individual

A person trading a business without being noted on the Australian Business Register (ABR) and does not hold an ABN/ACN. Typically this type of business is operated as a hobby micro business and has very low revenues.

Association / Committee

A business which is intended to remain subordinate to another larger deliberative assembly.

Body Corporate / Strata / Owners Corporation

Owners of a piece of land that has been subdivided and contains common areas everyone uses.

Govt Statutory Body / Authority

A body which is authorised to enforce legislation on behalf of the relevant country or state.

Liquidator / Administrator / Receiver

Responsible for the collection of assets, settling of claims, and dissolution of a company.

Trading name

This is your Trading name as noted on the Australian Business Register (ABR).

Authorised contacts

To ensure that your privacy is maintained during the life of this policy, we need you to tell us who you authorise to be a contact person.

Sole traders, individuals, and partners already named are automatically authorised and don't need to be listed here.

It is important to remember to include your name here too; otherwise you may not have future authority on this policy.

Contact preference

You can choose to receive GIO policy’s documents and policy related communications by email, instead of by postal mail.

If you choose 'By email', you’ll also need to provide us with your mobile phone number, as we’ll use it to send you SMS reminders from time to time.

Remember to also provide us with an email address which you’re likely to keep for some time, ideally one that you can also access when you’re away from home. You’re free to change this policy’s contact preference at any time after purchase, by calling us on 13 10 10.

Your choice will not affect any existing GIO marketing communications preference you have. See the GIO Privacy Statement for details about how we communicate with you electronically.

Stamp Duty Exemption

From 1 January 2018, NSW small businesses will be exempt from paying stamp duty on commercial vehicle insurance, public & product liability insurance, occupational indemnity insurance. Revenue NSW has stated that: "You are a small business if you are an individual, partnership, company or trust that is carrying on a business, and the business has an aggregated turnover of less than $2 million. Aggregated turnover is your annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you." If you are uncertain whether you classify as a small business, please speak to your financial adviser. False declarations may result in penalties up to of $11,000 by Revenue NSW plus the insurance duty not paid and penalty interest on that balance.

For more information visit www.revenue.nsw.gov.au then go to the Insurance Duty page.

Aggregated Turnover

Aggregated turnover is your Australia wide annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you.