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.
Coverage
If your business does any of these
Some possible scenarios include
Workers Compensation
Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
Commercial Motor Vehicles
You may be able to add cover for Commercial Motor Vehicles to your Business Insurance policy.
Product recalls
Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition
What isn’t covered
For more detail, read the
Product Disclosure Statement (PDS)
Are you a beautician or a barber? A hairdresser or a nail stylist? If you’re a professional in the world of hair and beauty, AAMI Business Insurance can help you stay in business if things get messy.
Whether you work with glam, landscape, portrait, sporting events or weddings, AAMI Business Insurance can help keep your professional photography business snapping should something go wrong.
If you’re a chippy - or you employ chippies - you’ll want insurance that nails the important stuff.
Cover for electricians, gardeners, painters, plumbers and other tradies. If you’re on the tools and want to stay that way, we can help.
Public Liability insurance is cover that helps businesses take care of the associated costs if customers, suppliers, or members of the public are injured or sustain property damage as a result of that business’ activities. It can help with compensation costs after accidents, slips, trips, and more.
Small business owners have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.
Products Liability insurance is designed for businesses who are involved in the production, supply or sale of products to members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business's product.
Business Insurance
Public Liability Insurance
All AAMI Business Insurance products have a combined Public and Products Liability cover. Both Public and Products Liability provide coverage for third party injury or property damage that you might cause. The difference is that Public Liability relates to injury to a person or damage to a person’s property that you cause whilst you’re on the job, and Products Liability relates to injury to a person or damage to their property caused by any products you distribute, supply or manufacture.
There are a few scenarios not covered by Public and Products Liability Insurance, including:
Please refer to the Product Disclosure Statement or the full list of exclusions not covered by our Public and Products Liability insurance.
Each business is different, and as such has different needs when it comes to insurance. However, in making the decision you may want to take into account the following factors:
The contracts you work on. Some contracts will stipulate the minimum amount of cover required. If your business is within a shopping centre, you may find that the contract stipulates a minimum of $20m cover is required
The conditions of your licence (if applicable). As an example, electrical contractors are required to hold a minimum of $5 million public liability cover in order to obtain their licence in some states.
AAMI can offer limits of $5m, $10m, and $20m cover, which can be purchased online or via our Australian-based Call Centre on 1300 176 698.
Workers Compensation
Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
Commercial Motor Vehicles
You may be able to add cover for Commercial Motor Vehicles to your Business Insurance policy.
Product recalls
Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition
