Every AAMI Business Insurance policy includes Public and Products Liability cover. This covers your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee) or damage to their property.

Risks covered

• Slips and trips more info
• Work causes damage to a client’s home more info
• Work causes damage to existing underground utilities more info

Risks not covered?

- Workers Compensation

- Damage to your own property

- Costs for rectifying faulty workmanship

Limits, conditions and exclusions apply. These are examples only and not exhaustive.

Cover for accidental loss of or damage to your tools as well as other items you carry with you while working, such as a smartphone or tablet.

Risks covered

• Damage caused by accident
• Theft of items (exclusions apply)
• Loss of items

Risks not covered?

- Wear and tear

- Items within an unlocked vehicle

- Electrical or mechanical breakdown

For each vehicle you insure, be it your work van, car, truck or ute, choose from these covers – Comprehensive, Legal Liability only or Legal Liability Fire and Theft.

Risks covered (Comprehensive only)

• Theft
• Malicious damage
• Uninsured third party damage

Risks not covered?

- Deliberate damage

- Wear and tear

- Loss of income

Cover for any professional fees connected with a tax audit of a return by the ATO or a Commonwealth, State or Territory department, body or agency.

Risks covered

• GST audit
• Payroll tax audit
• Superannuation Guarantee

Risks not covered?

- Dishonest tax return

- Failure to lodge tax return

- Imposed taxes