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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.
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
Some of our most popular options
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.
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.
Insurance you can trust
Trusted insurer of 60,000 Australian businesses.
You can speak to someone in our claim centre anytime to check the progress of your claim.
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 Insurance.
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.
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.
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.
Not sure what limit to choose for Public Liability? Check out this document