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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
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Property Damage
Provides cover for physical loss of or damage to your property from insured events such as fire, lightning and explosion.
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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.
Get a quote online in 3 minutes
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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.
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Theft
Provides cover for the loss of your contents and stock from theft, attempted theft, armed hold up or an actual/threatened assault.
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Glass
Provides cover for the loss of or damage to glass windows, signs and showcases at your business premises.
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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.
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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.
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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.
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Management Liability
Provides cover for the management liability of you, your directors, officers and employees.
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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.
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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.
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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.
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.
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