Cover for your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee), or damage to their property.
Professionals Insurance
Running a business that offers professional services? AAMI can offer you insurance that can help you keep covered and help you stay in business.
Coverage
What is offered by
Professionals Insurance
Public & Products Liability
Included covers
Property Damage
This provides cover for physical loss of, or damage to, your property at your office from insured events such as fire, lightning and explosion1.
1 We do not insure you for loss or damage caused by a bushfire or grass fire occurring within 72 hours from the commencement or modification (including increasing any insured amount) of your policy.
Portable and Valuable Items
Cover for the accidental loss of, or damage to, portable items you carry with you while you work.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
Money
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at the premises or in custody at a private residence.
Equipment breakdown
Cover for the breakdown of insured equipment at your premises and any loss or damage to property insured as a result of the breakdown.
Goods in Transit
Cover for the loss of, or damage to, goods you sell, buy or use in your business while they’re in transit. Choose from two types of cover – Specified Perils or Accidental Damage.
Tax probe
Cover for professional fees incurred by you in connection with a tax audit of a return by the ATO, or Commonwealth, State or Territory department, body or agency.
Commercial Motor
Cover for your ute, van, car, truck and more. Choose from three types of cover – Comprehensive, Legal Liability only or Legal Liability, fire and theft – depending on each vehicle you insure.
Optional covers
Limits, conditions and exclusions apply. Not all covers are available on their own.
Types of professionals we cover
There are many different types of business professionals – and each has their own insurance needs. AAMI can help you find a policy that’s right for you and your business.
Medical and health professionals
Insurance for health professionals can help you focus on patient care.
Business and finance professionals
Insurance that can help you go about your business with confidence.
Photographers and design professionals
Need photographer insurance? Maybe insurance for designers? We can help.
Architects and engineering professionals
AAMI can help you engineer an insurance solution that’s right for you.
Take control of your policy
Easy claims process
To lodge your claim, one of our experienced claims specialists can help you 24/7. You can also call us anytime, even if you lodged your claim online.
Professionals Insurance articles
Get informed about AAMI Business Insurance
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Showing 2 of 4 articles
Showing 1 of 4 articles
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.
Small business owners across Australia have been asking why inflation has such an effect on small business insurance and what can they do to reduce the impact.
When setting up a home business, a variety of costs need to be considered – and insurance may be important.
What is AAMI Business Insurance for professionals?
Professionals – such as medical practitioners, solicitors, consultants, engineers and more – are exposed to many potential risks in the course of offering their services. AAMI Business Insurance offers flexible policies that can be customised to suit your business, starting with Public Liability Insurance as standard then choosing from a range of optional covers.
Professionals Insurance
Frequently Asked Questions
How do I lodge a Business Insurance claim?
If you’d like to lodge a claim, visit our claims page.
Will I need to pay an excess if I make a claim on my Business Insurance?
If you make a claim, you might need to pay one or more excesses. You can find out more about these excesses and when they apply in your relevant business insurance PDS.
How can I pay for my business insurance?
You’ve got a few options when it comes to paying for your business insurance, including online (Visa, Mastercard, American Express), direct debit, BPAY, or by post. See all the ways you can pay your business insurance policy.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI Business Insurance. Limits, conditions and exclusions apply. Read the relevant Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. The information in this article is intended to be of a general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon it – please make your own enquiries.
Public & Products Liability
Cover for your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee), or damage to their property.
Property Damage
This provides cover for physical loss of, or damage to, your property at your office from insured events such as fire, lightning and explosion1.
1 We do not insure you for loss or damage caused by a bushfire or grass fire occurring within 72 hours from the commencement or modification (including increasing any insured amount) of your policy.
Portable and Valuable Items
Cover for the accidental loss of, or damage to, portable items you carry with you while you work.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
Money
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at the premises or in custody at a private residence.
Equipment breakdown
Cover for the breakdown of insured equipment at your premises and any loss or damage to property insured as a result of the breakdown.
Commercial Motor
Cover for your ute, van, car, truck and more. Choose from three types of cover – Comprehensive, Legal Liability only or Legal Liability, fire and theft – depending on each vehicle you insure.
Tax probe
Cover for professional fees incurred by you in connection with a tax audit of a return by the ATO, or Commonwealth, State or Territory department, body or agency.
Goods in Transit
Cover for the loss of, or damage to, goods you sell, buy or use in your business while they’re in transit. Choose from two types of cover – Specified Perils or Accidental Damage.