AAMI Business Insurance does not cover Workers Compensation. However, GIO, another brand within the Suncorp Group, provides Workers Compensation Insurance in some States and Territories. For more details, visit the GIO website.
Business At Home Insurance
Why juggle two policies? Combine your home and contents, and your at-home business cover, in one convenient policy with AAMI Business At Home Insurance.
Or call us on 13 22 44 for a quote.
Join over 70,000 small businesses that chose AAMI
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OCCUPATIONS
Types of home-based businesses we can cover
Don’t see your occupation listed below? Check if we provide cover for your business type by giving us a call on 13 22 44 or requesting a call back.
Is Business At Home Insurance for me?
AAMI Business At Home Insurance may be relevant if all of the following apply to your situation:
However, we are unable to provide coverage for home-businesses if any of the following apply:
These are just a few points to consider. If you’re unsure whether AAMI Business At Home Insurance is for you or you’d like to discuss cover options, speak to our helpful consultants on 13 22 44. You can also check out the policy documents for more information.
Base Covers
What's included
Personal Home and/or Contents
INCLUDED
Personal Home and/or Contents
Covers for situations like:
Public and Products Liability
INCLUDED
Public & Products Liability
Covers for situations like:
OTHER COVERS We offer
Add extra coverage
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Income protection
Back in Business
Covers for situations like:
We call this 'Back in Business' and it can provide cover for a reduction in business revenue and increased costs of working up to 12 months arising from the interruption or interference to your business due to loss or damage from insured events covered by your policy.
Commercial motor
Commercial motor
Covers for situations like:
This information is a summary only. For more info on the covers we offer and what isn’t covered, including terms, limits, conditions and exclusions, read the Product Disclosure Statement (PDS) and Policy Wording.
*We do not insure you for bushfire, flood, storm or storm surge in the first 72 hours of commencing a new policy. Grass fire within the first 72 hours of commencing a new policy is also not insured under the Property Damage cover. Limited exceptions apply. Refer to the PDS for details.
Why people choose AAMI
Trusted since 1969
Join over 70,000 small businesses across Australia that chose AAMI.
Make a claim online 24/7
If things go wrong, we can help get you back in business quicker.
Pay monthly at no extra cost
We provide flexible options to pay your premium.
Help protect your livelihood and keep your business growing with coverage you can count on
If your business assets aren’t covered, one small incident could mean you are exposed to significant financial loss. AAMI Business at Home Insurance can combine your home and business insurance into one convenient policy, with a range of business covers available including Public & Product Liability.
AAMI business at home Insurance
Frequently Asked Questions
Does Business At Home Insurance cover renters?
One of the great things about AAMI’s Business At Home Insurance policy is its flexibility to insure renters who run their business from home. If you’re a renter, you can get cover for your business and your home’s contents.
If you’re renting, you should also consider seeking approval from your landlord or property manager before you kick off any business activities at home.
Will standard home insurance cover my home business?
No, standard home insurance generally will not cover business activities or equipment. Our Business At Home policy is designed to help cover home-based business operations.
What if I have clients visit my home?
If a client visits your home and is injured, our public liability insurance can help cover the legal fees or compensation awarded, protecting you from costly claims
Do you cover multiple policy holders?
Yes we do, however this would depend on the type of business and how many people currently live at the same property. Call us on 13 22 44 so we can discuss your specific circumstances.
Does Business At Home cover remote activities? i.e. Mobile hairdressers and spray tan businesses?
AAMI Business At Home policies are designed for customers who conduct their business from a home residence. However, the Public & Products Liability section of the policy can provide cover within geographic limitations for personal injury or property damage to another person. Refer to the PDS and Policy Wording for more info.
If you primarily operate as a mobile business, you may want to consider our stand-alone Business Insurance cover.
How do I make a claim?
You can easily lodge a claim online. Or if you require assistance, you can call us on 13 22 44 and speak to an AAMI claims specialist 24/7.
How do I get the NSW small business stamp duty exemption?
Stamp duty is a NSW government charge calculated on the premium paid for insurance , collected by us and paid to Revenue NSW. Eligible New South Wales small businesses may be able to apply for an exemption on paying stamp duty for certain business insurance and commercial vehicle insurance policies.
To see if your business could be eligible, visit the Revenue NSW website or seek professional advice. If you are eligible, please call us on 13 22 44 or email businessinsurance@aami.com.au so we can send you the approved form you need to declare your exemption.
Does AAMI Business At Home Insurance cover my home and business for flood?
From 7 December 2023, all AAMI Business Insurance policies include cover for flood.
For policy purposes, “flood” is defined as the covering of a normally dry land by water that has escaped or been released from the normal confines of any of the following:
- a lake (whether or not it has been altered or modified);
- a river (whether or not it has been altered or modified);
- a creek (whether or not it has been altered or modified);
- another natural watercourse (whether or not it has been altered or modified);
- a reservoir;
- a canal; or
- a dam.
AAMI Business At Home Insurance
Helpful articles
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AAMI gives you some great tips if you're keen to run a business from home. But first, make sure you've got the correct insurance cover in place.
When setting up a home business, a variety of costs need to be considered – and insurance may be important.
Have you embraced your entrepreneurial spirit? Turned a brilliant idea or specific skillset into a successful small business? You may wish to consider insuring your micro business.
Owning and operating a business comes with a lot of responsibility. Learn more about why it’s important to cover your business with Public Liability insurance.
Workers Compensation Insurance
AAMI Business Insurance does not cover Workers Compensation. However, GIO, another brand within the Suncorp Group, provides Workers Compensation Insurance in some States and Territories. For more details, visit the GIO website.
Public & Products Liability
Covers for situations like:
Personal Home and/or Contents
Covers for situations like:
Tools & equipment
Covers for situations like:
Money
Covers for situations like:
Back in Business
Covers for situations like:
Tax Probe
Covers for situations like:
Theft
Covers for situations like:
Commercial motor
Covers for situations like: