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Small Business Insurance
AAMI is here to make small business insurance easy.
You are unique. Your cover should be too
From startups to established businesses, our products are designed to grow with your business. So whether you’ve been at it for years or you’re just getting started, AAMI’s got you covered.
How does Small Business Insurance work?
There’s no such thing as a one-size-fits-all insurance solution for small businesses – after all, every small business is as unique as the people running it. That’s why we offer customisable packages. Each package includes Public Liability cover and from there, you can choose from various other covers that can help protect your business activities.
What we cover
Within each package are coverage types designed to protect all aspects of your business.
We know you
AAMI specialises in small business
You’re pressed for time
Get an online quote in the time it takes to make a cup of coffee.
You might need support
A business insurance specialist is just a phone call away.
You’re conscious of cost
We’ve put our best price forward and we don’t charge extra for pay-by-the-month.
You need reliable cover
From Public Liability to Property Damage to Commercial Vehicle Insurance, AAMI has 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
Making your customers feel good is what you do. So make sure fire and storm damage, glass breakage, theft and legal liability are covered in case your business has an unwanted makeover.
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 1300 176 698
Small Business Insurance Tips
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Showing 1 of 4 articles
Public liability insurance offers protection if someone sues your business for personal injury, death, or damage to their property. Without it, the resulting compensation payouts and legal costs can potentially cripple your business.
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.
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. Call us 24 hours a day, 7 days a week, on 13 22 44, and you’ll always speak to a real person. Explore our Business Insurance claims page for more 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 email (or post) your schedule to you when your policy is issued.
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 liability cover with AAMI in this handy Public Liability article, which includes a video that helps explain what Public Liability Insurance is and how it can help cover your business from liability claims.
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.
