Business & Rural Insurance

We offer a range of Business and Rural insurance options that can help your client's business or farm to continue operating if they or a key person faces illness, injury or death.

Our business and rural insurance options

We detail our main business income protection insurances further below.

For wider business cover, we also have four products that can be taken out for business or personal purposes depending on your client's needs. They are:

Read more about these on the respective product pages.

AIA Start-Up Income Protection

Designed for new business owners who have been trading for three years or less, this gives them the confidence they need while their business gets off the ground. The monthly payments cover your client's business from disruption if they face an illness or injury that stops them from working.

AIA Living Business Continuity

Established business owners can access monthly payments giving them time to make key decisions about the future of their business should they (or a key person) face serious illness or injury and be unable to work

AIA Living Rural Continuity

Financially supports your client's farm or share milking business by providing monthly payments if they (or a key person) become unable to work due to illness or injury

Key benefits for your clients

Simple for Start-ups

With Start-Up Income Protection, access up to $9,000 sum assured a month without having to provide detailed financial information
No ACC Offsets

Business Continuity doesn't have ACC offsets and with Rural Continuity your client can choose to offset or not
Long Term Support

Option to extend Rural Continuity with Business Income Support to help your clients manage long term illness or injury
Future Proof Products

Access to our Enhancement Pass Back Benefit. Any improvements we make to our AIA products in the future are automatically applied to your client's policy, offering them even more at claim time.