General Property Insurance
24/7 insurance cover for theft, accidental damage, fire, flood, collision, overturning of the conveying vehicle, and more.
Australia’s leading general property insurance brokers
For over 35 years, we’ve supported Australian businesses of all sizes to protect the tools, equipment, and assets they rely on every day. Whether you’re running a healthcare clinic, a consultancy firm, or a trade company, we know your business property is essential to keeping things moving — and insuring it is non-negotiable.
Our experienced brokers know the local insurance market inside out. With established connections to leading insurers and a clear understanding of your industry needs, we help you secure tailored, cost-effective general property insurance so that you can focus on getting the job done.
Enjoy peace of mind in property cover, wherever work takes you
Running a mobile business or often taking your tools off-site? Make sure your equipment is covered in any location. With the right general property insurance policy, you can keep your operations moving even if the unexpected strikes.
Frequently Asked Questions
General property insurance is an insurance designed to cover miscellaneous equipment that may be used away from the owner’s principal place of business and out on job sites, such as surveying equipment, equipment that is usually portable and many other bits and pieces of equipment that may require such coverage.
The insurance covers losses such as fire, flood, theft, collision or overturning of the conveying vehicle and accidental damage to those goods.
Those who should have general property insurance may need to transport tools and equipment to multiple locations during the course of business.
These would include tradesmen, mobile businesses, builders and other instances where goods are taken away from the principal place they would normally be kept.
Goods that may be insured under a general property insurance policy are just about anything that the insurer is willing to take on. Common examples include trade and professional tools, laptops and other mobile technology equipment, survey equipment, and generators.
Business contents insurance covers items kept at your primary business premises, such as office furniture, fixed equipment, or inventory.
General property insurance, on the other hand, protects portable equipment and tools when they’re taken off-site and covered anywhere in Australia.
Many businesses choose both types of insurance for complete protection, ensuring all assets are covered no matter where they’re used.
Yes. Many home-based businesses rely on portable items like laptops, photography gear, or trade tools. General property insurance can protect these assets both at your home office and when you take them off-site.
This is especially important if your home insurance doesn’t automatically cover business-related equipment.
If your business doesn’t have general property insurance, you could be left paying out of pocket if essential equipment, tools, or property are lost, stolen, or damaged.
For many small and medium-sized businesses, this type of financial loss can be devastating, even forcing operations to shut down temporarily or permanently.
General property insurance provides a safety net, covering repair or replacement costs so your business can recover quickly and continue trading with minimal disruption.
General property insurance in Australia typically won’t cover losses caused by normal wear and tear, gradual deterioration, or neglect.
Items damaged because they weren’t properly secured, or losses arising from unlawful activities, are also usually excluded.
High-value or specialised equipment may require additional policies or endorsements for full protection.
Always check the product disclosure statement (PDS) so you know exactly what’s covered and what isn’t.
Some policies automatically include cover for hired or leased equipment, while others may require you to add this as an optional extra.
If you regularly hire tools or machinery for your business, it’s worth checking whether your policy covers temporary or short-term use.
At Ian Jones Insurance Brokers, we can compare policies from multiple insurers to find one that suits your specific needs.
The cost of general property insurance in Australia can vary widely because every business has different risks and assets to protect. Factors such as the type of property, your industry, the location of your business, and the value of the items you want to insure all influence the premium.
Rather than relying on a one-size-fits-all price guide, it’s best to speak with a qualified general property insurance broker. At Ian Jones Insurance Brokers, we can compare policies from multiple insurers and help you secure coverage that matches your business needs and budget.
Yes. For most Australian businesses, general property insurance premiums are considered a legitimate business expense and can be claimed as a tax deduction.
As tax rules can vary depending on your business structure and industry, it’s best to confirm this with your accountant or a registered tax agent.
This ensures you maximise deductions while staying compliant with Australian Taxation Office (ATO) requirements.
There isn’t a single “best” insurer for general property insurance because each insurer offers different types of coverage, limits, and benefits. The right choice depends on your business assets, industry requirements, and risk profile.
Our general property insurance brokers can assess your needs and access a range of insurers on your behalf. This ensures you get the right level of protection and value for your specific business, rather than settling for a generic policy.