Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Insurance for carpenters

AAMI Business Insurance offers Public & Products Liability as a starting point, providing cover for your legal liability for injury to another person (other than employees) and damage to someone else’s property that occurs in connection with your work. You should then consider covers that suit your business, like Portable & Valuable Items for your tools, and Commercial Motor for your trusty ute.

Chippies Insurance

What sort of events are covered?

AAMI’s Public and Products Liability cover can help with a range of events that might come up for chippies, such as:

  • Someone other than an employee getting injured when they trip over your tools accidentally left on the ground.
  • Someone other than an employee getting injured when a cupboard you incorrectly installed falls on them.
  • Damage to customer property if you hit a water pipe.

What's covered?

Customise your cover

  • Public & Products Liability included
  • Commercial Motor
  • Portable & Valuable Items
  • Tax Probe

And more!

What am I covered for?

Your Liabilities

Included

Public & Products Liability

Covers you for compensation costs you might be liable for if your business is responsible for personal injury to another person (other than employees) or damage to someone else’s property.

what's included

  • Slips and Trips
  • Defective finished work
  • Work causes damage
  • Damage caused while working

what's excluded

  • Vehicles

Your Assets

Your Finances

Optional Extra

Tax Probe

Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.

what's included

  • GST Audit
  • Payroll tax Audit
  • Superannuation Guarantee

what's excluded

  • Dishonest Tax return
  • Failure to Lodge
  • Imposed taxes

Business Insurance

Learn more about how AAMI helps businesses like yours

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles

Take control of your account

Jump online any time to request your certificate of currency, make a claim, renew your policy, and read your policy docs.

Business Insurance

Frequently Asked Questions

Damage caused while working

The work I completed caused an electrical fault at my customers premises and it burnt to the ground.

Defective finished work

I injure someone when a cupboard I installed incorrectly, falls on them.

Imposed taxes

I have been informed that I need to pay more tax. This is not covered.

Failure to Lodge

I did not lodge my tax return. This is not covered. 

Dishonest Tax return

I claimed for costs that I did not incur. This is not covered.

Superannuation Guarantee

I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.

Payroll tax Audit

I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.

GST Audit

I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.

Short power outage

The power went out for a day and I could not operate. This is not covered. 

In Liquidation

I have gone into Liquidation and I am losing money. This is not covered.

Bankruptcy

I have gone into Bankruptcy and I am losing money. This is not covered.

Storm

My ceiling collapses in a storm and I can not see my clients.

Impact

A truck impacts my building and I can not see my clients.

Fire

My Premises has a fire and can not trade.

Taken by staff

My employee steals my business money. I would need management liability for this.

Accounting errors

My accounts at the end of the month do not balance. This is not covered.

Carrying Money

I am held up on my way to the bank and my business money is stolen.

Money at home

My house is broken into and my business money is stolen

Money in a Safe

My premises is broken into and my business money stolen from my safe.

Money from premises

My premises is broken into and my business money is stolen.

Wear and Tear

The original paint on my vehicle has faded. This is not covered.

Loss of income

I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit. This is not covered.

Deliberate Damage

I intentionally damaged my own vehicle. This is not covered.

Flood

Flood waters have damaged my parked vehicle.

Theft

Someone has stolen my locked vehicle.

Uninsured third party

My comprehensively covered vehicle is crashed into by someone else.

Storm

A storm has caused hail damage to my vehicle.

Damages by employees

My employee has reversed my vehicle into someone else's vehicle.

Malicious Damage

Someone has keyed my vehicle.

Unlocked Vehicle

I left my van unlocked and my tools were stolen. This is not covered.

Wear and Tear

The grip on my hammer has faded. This is not covered.

Theft of items

My tools are stolen from my locked vehicle and I need to replace them.

Damage caused by Accident

My tools fall off the back of the vehicle and need to be replaced.

False credit cards

A customer pays for their photo albums with a fake credit card. This is not covered.

Money

My premises is broken into and my business money is stolen. I would need to take the money section to cover this.

Temporary Protection

I have a break in and I can not lock up my office.

Break and enter

I have a break and enter at my premises and my camera equipment was stolen.

Wear and Tear

I have chipping on my ceramic hand basin. This is not covered.

Light fittings

When moving furniture I have knocked a light fitting and it has broken. This is not covered.

Computer screen

I have cracked the screen on my laptop. This is not covered.

Glass Signs

My glass sign is broken during a storm.

Accidental Breakage

My ceramic toilet bowl accidently breaks.

Malicious Damage

Someone throws a stone through my shop window.

Loss of income

My revenue has reduced since I had a fire. I would need Back in Business to cover this.

Maintenance

My digital printer needs to have a service. This is not covered.

Wear & Tear

My carpet is starting to wear thin and needs to be replaced. This is not covered.

Impact

A truck drives into my office causing damage to my business equipment.

Leaking Water Pipes

My sink pipe breaks and causes water damage to my contents.

Storm Damage

My ceiling collapses under weight of storm water and my contents are damaged.

Accidental Damage

My office camera is knocked off its tripod and needs to be replaced.

Malicious acts

Thieves break in and damage my camera equipment.

Fire

An electrical fault causes a fire and destroys my office equipment.

Slips and Trips

I injure someone when they trip over my tools left on the ground.

Treatment Risk

My customer has an allergic reaction to the treatment I have performed.

Product causes injury

My customer has an allergic reaction to the product I have used.

Work causes damage

I caused damage to my customers property when I hit a water pipe.

Injury at my premises

A delivery person is injured when my advertising sign falls on them.

Vehicles

I have an accident in my work vehicle driving to the work site. I would need a motor policy to cover this.

Professional Indemnity

My customer did not like the photos I produced and caused the customer anguish. This is not covered.

Faulty products

The tiles I have put down start to lift and I need to replace them. This is not covered.

Commercial Motor

  • Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
  • Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.
  • Legal Liability provides cover for damage to third party property only.

Hair and beauty

AAMI offers cover for:

  • Hair Salons
  • Home and Mobile Hairdressers
  • Beauticians
  • Beauty Parlours
  • Barbers
  • Nail Salons
  • Nail Technicians / Manicurists
  • Make-up artists
  • Stylists
  • And more!

Business

AAMI offers cover for:

  • Hair Salons
  • Home and Mobile Hairdressers
  • Beauticians
  • Beauty Parlours
  • Barbers
  • Nail Salons
  • Nail Technicians / Manicurists
  • Make-up artists
  • Stylists
  • And more!