Sole Trader Insurance
Run a business on your own and want the right coverage? AAMI’s Business Insurance may suit sole traders like you!
Join over 70,000 small businesses that chose AAMI
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What is insurance for sole traders?
Entrepreneurs like you are the backbone of Australia’s economy. That’s why we offer customisable insurance policies, designed to suit a range of sole traders and small businesses. Because no two businesses are alike.
What's covered:
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Claims for injury or property damage caused by an accident where you’re deemed liable
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Injury to those who aren’t employees tripping on tools
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A wedding guest collides with you while shooting the first dance, and injures themselves.
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Tools and special equipment that are stolen
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Tax audit
Types of sole trade professionals or businesses we cover
Occupations
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Restaurateurs
For those of you who run a café, restaurant or takeaway shop.
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Retailers
Cover for all kinds of retail businesses, from clothing boutiques to quirky gift shops.
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Domestic cleaners
If keeping homes, apartments and units clean and tidy is your business, this cover is for you.
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Hairdressers and beauticians
Designed to meet the insurance needs of hair and nail care professionals.
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Medical and health practitioners
Made for those who provide their medical care and services to the wider community.
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Tradies
For chippies, sparkies, tilers, plumbers and every tradie in between.
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Professionals and consultants
If your business is helping people’s business or finances, this insurance may offer coverage for certain events.
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Photographers
Insurance designed to cover your photography business, equipment and loss or damage that happens at a shoot.
Included covers
Sole Traders Insurance
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INCLUDED
Public Liability and Products Liability
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.
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INCLUDED FOR FIXED PREMISES ONLY
Content & Stock
Cover for damage to contents and stock at your business premises resulting from an insured event. Insured events include flood, fire, lighting, and explosions.
Add extra coverage
OPTIONAL COVERS
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Portable and valuable items
Cover for the accidental loss of, or damage to, portable items you carry with you while you work.
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Theft
Cover of loss of, or damage to, your contents, specified items and stock caused by theft.
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Money
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.
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Equipment breakdown
Cover for the breakdown of insured equipment at your premises and any loss or damage to property insured as a result of the breakdown.
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Tax probe
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.
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Commercial motor
Cover for your ute, van, car, truck and more. Choose from three types of cover – Comprehensive, Legal Liability only or Legal Liability, fire and theft – depending on each vehicle you insure.
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Why people choose AAMI
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Trusted since 1969
We’ve been helping Aussies for over 55 years.
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Frequently Asked Questions
AAMI Sole Traders Insurance
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