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Small Business Insurance
We’re here to help small businesses recover when the unexpected happens.
Supporting Small Businesses Since 2001
As an insurer of over 70,000 businesses, we’re here to help get you back on your feet when you’ve been knocked down. We do that by making sure we offer quality Small Business Insurance, backed up with great service and the ability to lodge a claim 24/7. We don’t charge any fees for cancellations, either. You can get a quote online, or give us a call on 13 22 44, whichever suits you best.
Which Small Business Insurance is right for me?
There’s no such thing as a one-size-fits-all insurance solution for small businesses – that’s why we offer customisable packages that all include Public Liability. It’s also why we created the Businesses Like Yours quote tool, which is designed to help you with choosing business insurance by showing you what similar businesses have purchased with us.
What we cover
Within each package are coverage types designed to protect all aspects of your business.
We hear you
We specialise in small business
You’re stressed
We speak with hundreds of small businesses every day, and we hear how stressful things are. Our job is to make insuring your business as stress-free as we can.
Price is important
We know that if our insurance is too expensive, nobody will buy it. That’s why we price our insurance to offer great value, and it’s one of the reasons we don’t charge fees to pay-by-the-month.
Sometimes you just want to speak to someone
Our business insurance specialists are just a phone call away. Call us on 13 22 44.
You need reliable cover
From Public Liability to Property Damage to Commercial Vehicle Insurance, we have you covered.
AAMI Covers Many
Types of small business
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Cafés and restaurants
As a café owner or restaurateur, food poisoning and sickness-related claims can do more than damage your business’ reputation. Public and Products Liability can provide cover for your legal liability.
Retail stores
For a retailer or store owner, there’s nothing more unfashionable than having your products ruined by storm damage, fire, or an explosion. Therefore, cover for Property Damage could be a handy accessory.
Hairdressers and beauticians
Are you a beautician or a barber? A hairdresser or a nail stylist? If you're a professional in the world of hair and beauty, AAMI Business Insurance can help you stay in business if things get messy.
Carpenters
If you’re a chippy — or you employ chippies — you’ll want insurance that nails the important stuff. AAMI offers Public & Products Liability as a starting point, plus a range of extras such as Commercial Motor, Portable & Valuable Items and Tax Probe.
Tradies
Throwing your toolbox in the back the ute becomes problematic when neither are where you’ve left them. Make sure you have cover for your work vehicle and tools in case of theft, accidental damage and more.
Professionals
Whether you’re a health, business or legal professional operating from home or an office, legal liability cover for the products or services you provide can be crucial.
Designers and photographers
As a designer or photographer, you’re interacting with clients every day and are often on the go. Make sure your work equipment and liability is in focus by covering them with Portable Valuables Cover, and Public Liability Insurance.
Get a quote
Or call us on 13 22 44
Small Business Insurance Tips
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Hospitality businesses can be a hive of activity. The right insurance can help to keep your business afloat if things go wrong. There are 8 main options for hospitality businesses.
Insurance for tradies, such as portable items or public liability insurance, can help protect your tools and business from liability or loss - find out how.
Running a business from home carries risks that aren't necessarily covered under your home and contents policy. You may need business-specific 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 documents immediately, via email. A printed copy will also be sent to you.
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 documents immediately, via email. A printed copy will also be sent to you.
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.
Once you’ve paid for your business insurance or began your monthly payments, your business insurance schedule will become your tax invoice. We can post or email your schedule to you if you need – get in contact with us to request it.
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.
Yes, it does! You’re covered across Australia for the business activities noted on your policy schedule.
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.
No, AAMI Business Insurance is not Workers Compensation insurance. Workers' compensation is a compulsory insurance for all employers in every State and Territory in Australia and provides protection to workers if they suffer a work-related injury or disease. GIO offers Workers Compensation Insurance and you can find more information on the GIO website.
No, AAMI Business Insurance is not Workers Compensation insurance. Workers' compensation is a compulsory insurance for all employers in every State and Territory in Australia and provides protection to workers if they suffer a work-related injury or disease. GIO offers Workers Compensation Insurance and you can find more information on the GIO website.