Cover for retail businesses from clothing or gift shops.
Join over 70,000 small businesses that chose AAMI
out of 5
INCLUDED
Cover for your legal liability if your business or products cause personal injury to a third party (another person who isn’t an employee), or damage to their property.
INCLUDED FOR FIXED PREMISES ONLY
Cover for damage to contents and stock at your business premises resulting from an insured event. Insured events include flood, fire, lighting, and explosions.
Cover for damage to property such as contents and stock at your business premises resulting from an insured event. Insured events include flood, fire, lightning, and explosions.
Cover for a reduction in your revenue and increased costs of working due to business interruptions from certain unexpected events.
Cover of loss of, or damage to, your contents, specified items and stock caused by theft.
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at a business premises, or in custody at a private residence.
Cover for portable business equipment, including technology such as mobile phones and laptops, as well as items like portable point of sale terminals.
Choose from three types of cover for each vehicle you insure: Comprehensive, Legal Liability only, and Legal Liability, Fire & Theft.
Cover for the breakdown of insured equipment at your premises and any loss or damage to property insured as a result of the breakdown.
Cover for the loss of, or damage to, goods you sell, buy, or use in your business when they’re in transit. Choose from two types of cover, Specified Perils or Accidental Damage.
Cover for professional fees connected with a tax audit of a return by the ATO, or a Commonwealth, State, or Territory department, body, or agency.
Please note, not all covers are available on their own. Some are dependent on you taking out another cover as well.
Limits, conditions, and exclusions apply. Not all covers are available on their own.
Please read the Product Disclosure Statement for full details.
Running your business from home?
If your Commercial claim is under $15,000 and lodged online, you may be eligible for our express settlement.1 Claims lodged online will receive a claim number within 4 hours of lodgement and we will keep you informed via Online status updates.2 For further details, visit our Business Insurance Claims page.
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 a good idea to review your cover at least once a year, or when your business undergoes a major change, such as an expansion, moving premises, or an upgrade to key 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.
With AAMI, you’ve got a few options when it comes to paying your business insurance. You can pay online via a credit or debit card, such as a Mastercard, Visa or an American Express. Or you can pay through direct debit, BPAY or even post. See all the ways you can pay your AAMI insurance premiums here.
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.
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
