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Home Business Insurance

Do you run your business from home? Combine your home and contents insurance with your business insurance, to create one convenient policy.

What is Business@Home Insurance?

AAMI Business@Home can provide cover for your business and your home in one convenient policy. If you have clients or suppliers visiting your home, or if you keep business-related contents and stock at your home, a Business@Home policy may provide suitable cover.

We cover many types of home businesses
  • Consultants
  • Designers
  • Photographers
  • Business and financial services

What we cover

Choose the covers that suit your home and your business.

Home and Contents

This provides cover for 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 included. Cover for Home Legal Liability, Contents Legal Liability or both is automatically included, depending on the Home and Contents cover you take out.

Read more in the PDS

Personal Valuables

If you insure your contents, you can choose to buy cover for loss or damage anywhere in the world to your valuables and personal possessions. Examples include jewellery, and photographic or sporting equipment.

Read more in the PDS

Commercial and Private Motor

This provides cover for your business and/or private vehicles.

You can choose:

  • Comprehensive Cover - provides cover for your vehicle caused by accidental damage, fire and theft well as damage to third party property.
  • Third Party, Fire and Theft Cover - This provides cover for loss or damage to your vehicle caused by fire or theft as well as damage to third party property.
  • Third Party Cover - This provides cover for damage to third party property only.

Read more in the PDS

Some of our most popular options

Back in Business

This provides cover for a reduction in your business revenue arising from interruption of your business by damage to your property caused by an insured event.

Read more in the PDS

Public and Products Liability

Public Liability provides protection if your business is found to be legally responsible for personal injury to a third party or damage to their property. If you choose public liability, you can also choose products liability which provides cover for your legal liability for personal injury or damage to property caused by your business’s products.

Read more in the PDS

Portable and Valuable Items

This provides cover for portable or valuable items that you usually carry around with you in the course of your business anywhere in the world. Items worth more than $1,000 must be specified.

Read more in the PDS

Property Damage

This provides cover for physical loss of or damage to your property from insured events such as fire, lightning and explosion.

Read more in the PDS


This provides cover for the loss of your business contents and stock from theft, attempted theft, armed hold up, or an actual/threatened assault.

Read more in the PDS

This is a summary only, so check the Product Disclosure Statement and Policy Wording for full details of what is and isn’t covered. It’s dry we know, but it’s essential reading.

Every business is different

Our specialised business consultants can create a Business@Home quote just for you & your business. They are available 8.30am-6pm, Monday to Friday AEST.

To obtain a quote in minutes please call:

13 22 44

Or request a callback

Join 60,000 other businesses who "turn to AAMI"

Insurance you can trust

Trusted insurer of 60,000 Australian businesses.

24/7 Claims

You can speak to someone in our claim centre anytime to check the progress of your claim.

To get a quote in minutes call 13 22 44


Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.