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.
Top claims for Tradies
(AAMI Business claims: Jan – Dec 2016)
Public and Products Liability
The most common claim for Tradies, it can cover the cost of damages if your business is found responsible for personal injury to a third party or damage to their property. For example, if you damage a client's home or belongings while working.
Portable & Valuable Items
Provides cover for equipment that you carry with you for work, including portable technology like mobile phones, as well as equipment like saws, drills and other tools. Items worth more than $2,500 must be specified to receive cover up to the replacement value of that item. Limits and excess apply.
Commercial Vehicle
Cover your ute, van or car, choosing from 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 quote.
Some exclusions, such as flood damage, apply. 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.
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
Join the 60,000 businesses who "turn to AAMI."
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 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.
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.
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. See information on how to make a business insurance claim.
