The AAMI Landlord Insurance Policy

What we cover - your $10 million legal liability cover

When we will pay

We will cover your legal liability arising from accidents that happen within the site.

We will cover you against your legal liability for all claims arising from an accident or a series of accidents arising from any one occurrence occurring during the period of cover, causing:

bodily injury or death to any person other than you or your family,

damage to or loss of property, other than property which you or your family own or for which you or they are legally liable.

Where your landlord building is a lot or unit which is part of a strata-titled development, and:

there is no other lot or unit above or below your lot or unit,

you do not have any other liability insurance for your lot or unit, and

we have agreed to provide landlord building insurance for your lot or unit,

we will also cover your legal liability arising from accidents that happen on the common property that is shown on the plan and is used for domestic or residential purposes.

Our payment will not exceed $10 million in total (including all legal and defence costs and GST).

When we will not pay

We do not provide cover for your legal liability arising from or involving:

any of the causes listed under ‘What we do not cover’ on this page of this booklet,

your occupancy or ownership of any residence, building or land other than your landlord building and the site,

a legal liability which arises only because you have agreed to take that liability upon yourself,

a liability which arises only because you have admitted liability,

an event that you have organised or are legally responsible except where the event takes place on the site,

things done intentionally or left undone intentionally by you, or any person acting on your behalf, with reckless disregard for the consequences,

lifts, cars, motorbikes, minibikes, vehicles, watercraft (including sail boats) or aircraft (including gliders),

Vehicles do not include bicycles, motorised wheelchairs, golf carts or garden appliances which do not have to be registered.

an animal other than a domestic dog or cat,

vibration, or the removal of, or interference with the support of land, buildings or other property,

alterations, additions, repairs or redecorations of your building or the site where the total value of the works exceed $20,000,

the transmission of any disease, contaminated body fluid or body product,

the consumption of alcohol or drugs, if your consumption of them caused or contributed to the accident,

employees or workers who are covered or should have been covered by Workers’ Compensation or similar legislation and who, at the time of the accident, were employed by you or your tenant or anyone living at the site,

the use of any part of your landlord building or the site for business, trade, professional services, farming of any type, but not:

the use of that part of the dwelling used for performing office work,

any business, trade, profession or occupation conducted or operated
or undertaken:

by you or on your behalf, unless the business is landlord of the insured property covered by this policy,

by or on behalf of your tenant or anyone living at the site,

by or on behalf of any company, trust or other legal entity in which you or your tenant or anyone living at the site has an interest (legal, beneficial or otherwise),

civil or criminal penalties or fines or aggravated, exemplary, punitive or multiple damages however described.