AAMI Business@Home insurance can help protect your business in a variety of ways.
Some of these ways include:
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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.
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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.
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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
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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.
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This covers physical loss of or damage to your property from insured events such as fire, lightning and explosion.
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This covers the loss of your business contents and stock from theft, attempted theft, armed hold up, or an actual/threatened assault.
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This covers a reduction in your business income as a result of damage to your property.
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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.
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This covers the breakdown of machinery, computers and electronic equipment at your premises.
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This covers the deterioration of chilled, refrigerated or frozen stock, following the breakdown of the freezer or refrigerated unit that they are kept in.
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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.
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This covers the theft of your property or money by any of your employees either acting alone or in collusion with any others.
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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.
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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.
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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.
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