Provides cover for your legal liability in case a third party sues your business and you are found negligent
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Public Liability 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.
If your business is found liable
Damage to property belonging to a third party
Injury to a third party
Often there is a minimum amount of cover required as part of a contract you may have with a business supplier. In other cases there is no recommended amount, as there is no way to predict the costs for which your business may be liable.
Our most common level of cover is $5 million, however all businesses are different. The level of cover is not related to the size of your business - it's about the amount of damage or injury your business could be found liable for.
We offer 3 levels of public liability cover
51% of customers
35% of customers
14% of customers
Other covers that might suit your business
Some of our most popular options
Cover for your legal liability in relation to your market stall or trade exhibit setup and products
Do you only want cover at market stalls and trade fairs? We have liability policies designed specifically for markets.
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.
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.
Join the 60,000 businesses who "turn to AAMI."
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AAMI Public Liability
Public Liability is your protection if you are found to be legally responsible for personal injury to a third party or damage to their property. Learn more about Public Liability here
You can change your cover by calling us on 13 22 44. Business owners should review their cover each year, and also when they expand their business, move premises, or upgrade their equipment.
You can pay by credit card (American Express, Mastercard or Visa), BPAY, cheque or at the post office.
You may also be able to split the premium over 12 months, and pay monthly via credit card or direct debit at no extra cost. Monthly payments are available if:
- your annual premium is more than $270
- it is not a market stall 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. More information on how to make a business insurance claim can be found here.