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SMALL BUSINESS

Business Insurance

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

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  • Customised packages
  • Hassle-free claims
  • Pay by the month
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1300 176 698

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

With AAMI Business Insurance we have options to suit your business

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

  • Property Damage

    Provides cover for physical loss of or damage to your property from insured events such as fire, lightning and explosion.

    Read more in the PDS

  • Public and Products Liability

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

    Read more in the PDS

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  • Back in Business

    Provides cover for a reduction in your business revenue arising from interruption of your business by 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

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

    Read more in the PDS

  • Money

    Provides cover for loss of or damage to your business’s money from causes such as theft, armed hold-up or fire. The money may be in transit or at your premises or in custody at a private residence.

    Read more in the PDS

  • Portable and Valuable items

    Provides cover for items that you carry around with you, for example tools or portable technology, in the course of your business anywhere in the world . Items worth more than $2,500 must be specified to receive cover up to the replacement value of that item. Limits and excess apply.

    Read more in the PDS

  • Equipment Breakdown

    Provides cover for the breakdown of machinery, computers and electronic equipment at your premises.

    Optional cover for deterioration of stock is available. 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

  • Management Liability

    Provides cover for the management liability of you, your directors, officers and employees.

    Read more in the PDS

  • Tax Probe

    Provides cover for the professional fees incurred in connection with a tax audit of the business’s financial or tax affairs by an authorised authority.

    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 Motor

    You can choose between three different types of cover for each vehicle you insure:

    Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover

    Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover

    Legal Liability provides cover for 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

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