Business Insurance

Coverage for your business contents and stock against loss, damage or theft

Get an online quote in
under 3 minutes

Customised packages
Hassle-free claims
Pay by the month

Hospitality Retail

What is Business Insurance?

Business insurance provides cover for unexpected events that affect your business's contents, stock and other assets. It can also provide cover for your legal liability in case a third party sues your business and you are found negligent.

We cover many types of businesses

Cafes & restaurants
Retail shops
Take away shops
And many more

Overview

Hospitality

Retail

What is Business Insurance?

We cover many types of businesses

Cafes & restaurants
Retail shops
Take away shops
And many more

With AAMI Business Insurance we have options to suit your business

If you have business premises, all of our business packages include fire and defined events and public liability. You can easily add optional covers to suit your needs

Fire and Defined Events

This covers physical loss of or damage to your property from insured events such as fire, lightning and explosion.

Read more in the PDS

Public Liability

Also known as Legal Liability, this is included as standard in all AAMI business insurance packages. It provides cover for the cost of damages if your business is responsible for personal injury or property damage.

Read more in the PDS

Get a quote online in 3 minutes

Get your quote

Choose covers to customise your package

Back in Business

This provides cover for a reduction in your business income as a result of damage to your property caused by an insured event.

Read more in the PDS
Theft

Provides cover for the loss of your contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.

Read more in the PDS
Glass and Signs

This provides cover for the loss of or damage to glass windows, signs and showcases at your business premises.

Read more in the PDS
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.

Read more in the PDS
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.

Read more in the PDS
Machinery Breakdown

This covers the breakdown of machinery, computers and electronic equipment at your premises.

Read more in the PDS
Deterioration of Stock

This provides cover for the deterioration of chilled, refrigerated or frozen stock, following the breakdown of the freezer or refrigerated unit that they are kept in.

Read more in the PDS
Goods in Transit

This provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit.

Read more in the PDS
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.

Read more in the PDS

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.

AAMI Small Business Insurance

Frequently asked questions

Getting an online quote for your business takes only a few minutes. We’ll then need to ask a few more questions to create your business insurance policy, either online or over the phone. Once that’s done you’ll receive your policy immediately, via email. A printed copy will also be sent to you.

AAMI offer Business Insurance for a large range of industries, such as tradespeople, retailers, professionals, hospitality businesses and more. In some cases we may ask you to call us to complete your quote.

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.