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Why is Public Liability insurance important?
Public Liability insurance is your protection if you are found to be legally responsible for personal injury to a third party or damage to their property.
It is one of the most important covers you can get, that’s why liability cover comes as standard with all our business insurance packages. Some exclusions, such as cover for injury to your workers, apply.
If your business is found liable
Public Liability can cover the cost of:
Damage to property belonging to a third party
Injury to a third party
Other covers that might suit your business
Public Liability is included in all of our business packages and you can easily add covers to suit your needs
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Public and Products Liability
You can combine other covers with your public liability insurance.
Get a quick quote online
Some of our most popular options
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Portable and valuable items
Items that you carry around with you, for example tools or portable technology, in the course of your business anywhere in the world.
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Commercial Vehicles
You can choose between two different types of cover for each vehicle you insure:
Comprehensive covers accidental damage to your vehicle and legal liability cover
Legal Liability covers damage to third party property only
Call 13 22 44 for a Commercial Vehicle quote.
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.
Customer stories
Customer Story
Jessica the Florist
Jessica owns a flower shop located on the main road through her suburb. Unfortunately a large gust of wind picked up one of her signs outside of her storefront and landed it on top of a vehicle.
Luckily Jessica was insured with AAMI as she was found to be negligent because she did not secure the sign correctly. Damages of $2,305 were paid to repair the vehicle.
Customer Story
Jake the Café owner
Jake owns a new café in the city. It’s a busy morning. The cafe is filled with happy people and everyone is having a good time, but when a damaged bar stool breaks, a patron is left with broken bones from falling on the hard floor.
Jake’s business is found liable for their medical costs, which exceed $17,000. Luckily Jake was insured with AAMI.
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AAMI Public Liability
Frequently asked questions
You can change your cover by contacting us. As a business owner, it’s good for you to review your cover each year, as well as when you expand your business, move premises, or upgrade your equipment.
No. At least, not automatically. While cover for property damage is available, that doesn’t necessarily extend to damage caused by flood. We may be able to extend your policy to cover flood, but it’ll depend on our underwriting guidelines. If we do offer you flood cover, it’ll likely incur additional premiums. If you’d like to discuss whether flood coverage is available for your business, please contact us.
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 Insurance can cover water damage caused by circumstances other than those outlined above; for example, from a damaged water pipe. For more information, please refer to the PDS.
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.
There are no forms to fill out – just call as soon as you can. We’re available 24 hours a day, 7 days a week, on 13 22 44, and you will always speak to a real person. See information on how to make a business insurance claim.
No, AAMI Business Insurance is not Workers Compensation insurance. Workers' compensation is a compulsory insurance for all employers in every State and Territory in Australia and provides protection to workers if they suffer a work-related injury or disease. GIO offers Workers Compensation Insurance and you can find more information on the GIO website.
No, AAMI Business Insurance is not Workers Compensation insurance. Workers' compensation is a compulsory insurance for all employers in every State and Territory in Australia and provides protection to workers if they suffer a work-related injury or disease. GIO offers Workers Compensation Insurance and you can find more information on the GIO website.
Not sure what limit to choose for Public Liability? Check out this document
