If you’re a chippy — or you employ chippies — you’ll want insurance that nails the important stuff.
AAMI Business Insurance offers Public & Products Liability as a starting point, providing cover for your legal liability for injury to another person (other than employees) and damage to someone else’s property that occurs in connection with your work. You should then consider covers that suit your business, like Portable & Valuable Items for your tools, and Commercial Motor for your trusty ute.
What sort of events are covered?
AAMI’s Public and Products Liability cover can help with a range of events that might come up for chippies, such as:
Customise your cover
Policy document downloads
Product Disclosure Statement (PDS)
What am I covered for?
Included
Covers you for compensation costs you might be liable for if your business is responsible for personal injury to another person (other than employees) or damage to someone else’s property.
Optional Extra
Covers you for items that you carry around with you while you’re working, like your all-important tools.
Optional Extra
Commercial Motor
Optional Extra
Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority.
Business Insurance
Jump online any time to request your certificate of currency, make a claim, renew your policy, and read your policy docs.
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.
Flood cover is automatically included (in the premium you pay) as part of the property damage section of your business insurance cover for new policies commencing or policies renewing on or after 7 December 2023.
However, we do not insure for flood in the first 72 hours of commencing a new policy or adding/changing the property damage section of your policy for the purposes of cover caused by flood. For more information on flood coverage and other exclusions, please review the SPDS.
Note: Cover for flood is optional for policies commenced or renewed prior to 7 December 2023. For more information, refer to the relevant PDS or contact us.
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.
Damage caused while working
The work I completed caused an electrical fault at my customers premises and it burnt to the ground.
Defective finished work
I injure someone when a cupboard I installed incorrectly, falls on them.
Imposed taxes
I have been informed that I need to pay more tax. This is not covered.
Failure to Lodge
I did not lodge my tax return. This is not covered.
Dishonest Tax return
I claimed for costs that I did not incur. This is not covered.
Superannuation Guarantee
I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.
Payroll tax Audit
I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.
GST Audit
I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.
Short power outage
The power went out for a day and I could not operate. This is not covered.
In Liquidation
I have gone into Liquidation and I am losing money. This is not covered.
Bankruptcy
I have gone into Bankruptcy and I am losing money. This is not covered.
Storm
My ceiling collapses in a storm and I can not see my clients.
Impact
A truck impacts my building and I can not see my clients.
Fire
My Premises has a fire and can not trade.
Taken by staff
My employee steals my business money. I would need management liability for this.
Accounting errors
My accounts at the end of the month do not balance. This is not covered.
Carrying Money
I am held up on my way to the bank and my business money is stolen.
Money at home
My house is broken into and my business money is stolen
Money in a Safe
My premises is broken into and my business money stolen from my safe.
Money from premises
My premises is broken into and my business money is stolen.
Wear and Tear
The original paint on my vehicle has faded. This is not covered.
Loss of income
I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit. This is not covered.
Deliberate Damage
I intentionally damaged my own vehicle. This is not covered.
Flood
Flood waters have damaged my parked vehicle.
Theft
Someone has stolen my locked vehicle.
Uninsured third party
My comprehensively covered vehicle is crashed into by someone else.
Storm
A storm has caused hail damage to my vehicle.
Damages by employees
My employee has reversed my vehicle into someone else's vehicle.
Malicious Damage
Someone has keyed my vehicle.
Unlocked Vehicle
I left my van unlocked and my tools were stolen. This is not covered.
Wear and Tear
The grip on my hammer has faded. This is not covered.
Theft of items
My tools are stolen from my locked vehicle and I need to replace them.
Damage caused by Accident
My tools fall off the back of the vehicle and need to be replaced.
False credit cards
A customer pays for their photo albums with a fake credit card. This is not covered.
Money
My premises is broken into and my business money is stolen. I would need to take the money section to cover this.
Temporary Protection
I have a break in and I can not lock up my office.
Break and enter
I have a break and enter at my premises and my camera equipment was stolen.
Wear and Tear
I have chipping on my ceramic hand basin. This is not covered.
Light fittings
When moving furniture I have knocked a light fitting and it has broken. This is not covered.
Computer screen
I have cracked the screen on my laptop. This is not covered.
Glass Signs
My glass sign is broken during a storm.
Accidental Breakage
My ceramic toilet bowl accidently breaks.
Malicious Damage
Someone throws a stone through my shop window.
Loss of income
My revenue has reduced since I had a fire. I would need Back in Business to cover this.
Maintenance
My digital printer needs to have a service. This is not covered.
Wear & Tear
My carpet is starting to wear thin and needs to be replaced. This is not covered.
Impact
A truck drives into my office causing damage to my business equipment.
Leaking Water Pipes
My sink pipe breaks and causes water damage to my contents.
Storm Damage
My ceiling collapses under weight of storm water and my contents are damaged.
Accidental Damage
My office camera is knocked off its tripod and needs to be replaced.
Malicious acts
Thieves break in and damage my camera equipment.
Fire
An electrical fault causes a fire and destroys my office equipment.
Slips and Trips
I injure someone when they trip over my tools left on the ground.
Treatment Risk
My customer has an allergic reaction to the treatment I have performed.
Product causes injury
My customer has an allergic reaction to the product I have used.
Work causes damage
I caused damage to my customers property when I hit a water pipe.
Injury at my premises
A delivery person is injured when my advertising sign falls on them.
Vehicles
I have an accident in my work vehicle driving to the work site. I would need a motor policy to cover this.
Professional Indemnity
My customer did not like the photos I produced and caused the customer anguish. This is not covered.
Faulty products
The tiles I have put down start to lift and I need to replace them. This is not covered.
Commercial Motor
Hair and beauty
AAMI offers cover for:
Business
AAMI offers cover for:
