Business@Home Insurance

Peace of Mind with AAMI Business@Home Insurance

AAMI Business@Home insurance can help protect your business in a variety of ways.
Some of these ways include:

• Insuring your home and business in one policy
• Coverage for your business contents and stock against a range of defined events
• Coverage for your home and contents against a range of defined events
• Coverage for your business and private motor vehicles against accidents and theft
• Protection for a reduction in your business income as a result of damage to your business property due to an insured event
• Coverage for your legal liability when you are found to be legally responsible for damage or personal injury to a third party or their property

Simply call 13 22 44 and speak with a Business Consultant to obtain a quote in minutes over the phone.

Benefits of AAMI Business@Home Insurance

Monthly or annual payments
You decide how you want to pay

Package discounts
When you combine multiple covers

Choice of cover
Every business is different. Choose from the AAMI Business Insurance range of covers to suit your needs.

Fast easy claims over the phone
Without the hassles of paperwork

Friendly specialist staff
Who are committed to championing small business

The strength of AAMI
Whose success is built on a commitment to exceptional customer service and keeping promises

Select from the following Business@Home covers

• Home and Contents (Defined Events) Insurance

  This covers loss of or damage to your home, contents or both, caused by certain insured events such as storm, flood, fire, malicious acts, theft or attempted theft, lightning and earthquake. Accidental glass breakage is also automatically covered. You will automatically be covered for Home Legal Liability, Contents Legal Liability or both, depending on the cover you take out. Read more in the Business@Home Insurance Policy Wording.

• Personal Valuables

  If you insure your contents, you can choose cover anywhere in the world for loss of or damage to your valuables and personal possessions, such as your jewellery, and photographic and sporting equipment. Read more in the Business@Home Insurance Policy Wording.

• Business Legal Liability (also known as Public Liability)

  This covers you for your legal liability for personal injury to another person (other than employees) or damage to property owned or controlled by someone else, which happens during the period of insurance and which is caused by an occurrence in connection with the business. If you choose public liability, you can also choose products liability which will cover you for your legal liability for personal injury or damage to property caused by your products. Read more in the Business@Home Insurance Policy Wording.

• Business Portable and Valuable Items (also known as General Property)

  This covers portable or valuable items that you usually carry around with you in the course of your business anywhere in the world. Please remember that if an item is worth more than $1,000 then it must be specified. Read more in the Business@Home Insurance Policy Wording.

• Business Property: Fire and Defined Events

  This covers physical loss of or damage to your property from insured events such as fire, lightning and explosion. Read more in the Business@Home Insurance Policy Wording.

• Business Property: Theft

  This covers the loss of your business contents and stock from theft, attempted theft, armed hold up, or an actual/threatened assault. Read more in the Business@Home Insurance Policy Wording.

• Business Interruption

  This covers a reduction in your business income as a result of damage to your property. Read more in the Business@Home Insurance Policy Wording.

• Business Money

  This covers the loss of or damage to your business’s money from a wide variety of causes such as theft, armed hold up, or fire. The money may be in transit or at your premises. Read more in the Business@Home Insurance Policy Wording.

• Business Machinery Breakdown

  This covers the breakdown of machinery, computers and electronic equipment at your premises. Read more in the Business@Home Insurance Policy Wording.

• Business Deterioration of Stock

  This covers the deterioration of chilled, refrigerated or frozen stock, following the breakdown of the freezer or refrigerated unit that they are kept in. Read more in the Business@Home Insurance Policy Wording.

• Business Goods in Transit

  This covers loss of or damage caused to the goods you sell, buy or use in your business when they are in transit. The coverage you have will depend on what type of damage you select and whether you have selected temperature controlled goods. Read more in the Business@Home Insurance Policy Wording.

• Business Employee Dishonesty

  This covers the theft of your property or money by any of your employees either acting alone or in collusion with any others. Read more in the Business@Home Insurance Policy Wording.

• Business Tax Probe® (also known as Tax Audit)

  This covers the professional fees such as accountant’s fees incurred by you in connection with an audit of your business’s financial or tax affairs by the ATO, or by a Commonwealth, State or Territory Department, Body or Agency. Read more in the Business@Home Insurance Policy Wording.

• Business LegalPower® (also known as Legal Expenses)

  This covers the legal expenses you may incur when pursuing or defending your legal rights in respect of disputes including but not limited to Employment, Contracts and Property. Read more in the Business@Home Insurance Policy Wording.

• Motor (Commercial and Private)

  This covers your business and/or private vehicles. You can choose
  
  • Comprehensive Cover – This covers accidental damage to your vehicle, fire and theft and supplementary bodily injury and damage to third party property.
  
  • Third Party, Fire and Theft Cover – This covers loss or damage caused by fire and theft of your vehicle as well as supplementary bodily injury and damage to third party property.
  
  • Third Party Cover – This covers supplementary bodily injury and damage to third party property only.
  
  Read more in the Business@Home Insurance Policy Wording.
  
  
  

To determine what specific covers you have chosen, refer to: "What’s Covered" in your policy schedule

AAMI Business@Home Insurance is issued by Australian Associated Motor Insurers Limited ABN 92 004 791 744, AFSL 238 173. Before making a decision regarding the cover available please read our Product Disclosure Statement