Get customisable coverage for your business liabilities and assets.
From tradies to GPs and florists to cake shops, our customisable packages all include Public Liability.
Cover for your business if its activities or products accidentally cause property damage or injury.
Cover for your setup and goods, whether for a one-off exhibit or a weekly stall.
Cover for loss or damage to your commercial vehicle/s and property.
Join over 70,000 small businesses that chose AAMI
out of 5
We offer cover for almost 700 different occupations.
Running your business from home?
If your Commercial claim is under $15,000 and lodged online, you may be eligible for our express settlement.1 Claims lodged online will receive a claim number within 4 hours of lodgement and we will keep you informed via Online status updates.2 For further details, visit our Business Insurance Claims page.
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
Without Business Insurance, your business and finances could be at risk from unexpected customer injury or property damage claims.
The AAMI App lets you stay ahead with our weather alerts. And if fires, floods or storms do happen, Business Insurance can help you avoid paying out of pocket to recover.
As a small business, building a positive reputation is essential. Without Business Insurance, your business can appear as a risk to potential clients or partners.
With the right coverage in place, you can feel confident knowing you’re protected. That means being able to focus more on what’s important to you, like growing your business.
Business insurance helps protects against financial losses from risks like property damage, loss of revenue or liability claims. This can include cover for public & products liability claims, commercial motor vehicles and property.
There are a wide range of small business types in Australia, which is why we offer a wide range of policy options that can be tailored to your business’s needs.
Each state or territory will have different insurance requirements for your business. Some businesses must have Public Liability Insurance to legally operate. Depending on your business type, you may also benefit from having optional coverage for things like damage to your commercial property and vehicles, loss or theft of portable valuables and cover for tax audits.
All AAMI Business Insurance policies include Public Liability Insurance. You can then add optional cover age to your policy such as cover for damage to your business premises, vehicles and equipment, and loss of revenue if your trade is disrupted due to an insured event.
Flood cover is automatically included (in the premium you pay) as part of the property damage section of your business insurance cover for new policies commencing or policies renewing on or after 7 December 2023.
However, we do not insure for flood in the first 72 hours of commencing a new policy or adding/changing the property damage section of your policy for the purposes of cover caused by flood. For more information on flood coverage and other exclusions, please review the SPDS.
Note: Cover for flood is optional for policies commenced or renewed prior to 7 December 2023. For more information, refer to the relevant PDS or contact us.
No two businesses are the same and neither are two business insurance premiums. The quickest way to get an accurate insurance price for your business is to get a quote online.
You can pay for your AAMI Business Insurance policy annually or monthly at no extra cost via credit or debit card, or via direct debit.
According to the Australian Taxation Office (ATO), you may be able to claim deductions for most operating expenses in the same income year you incur them. Insurance premiums are included in the ATO’s definition of operating expenses. However, be sure to seek independent tax advice related to your individual circumstances.
Yes, it does. AAMI Public Liability Insurance provides cover across Australia for the business activities noted on your policy schedule.
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
Did you know?
We also offer coverage for small trucks, trailers, mobile plant & equipment, and more
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
