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Public Liability
Provides cover for your legal liability in case a third party sues your business and you are found negligent
Get an online quote in under 3 minutes
- Quick, anonymous quotes
- Customised packages
- Pay by the month
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.
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
Want to learn more about Public Liability? Read a short article, or watch a 60 second video
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.
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
Want to learn more about Public Liability? Read a short article, or watch a 60 second video
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 Liability
You can combine other covers with your public liability insurance.
Get a quote online in 3 minutes
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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Money
Loss of or damage to your business’s money from causes such as theft, armed hold-up or fire. This may include money in transit or at your premises.
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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
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.
