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
• Defective finished work [causing damage] more info

Risks not covered?

- Workers Compensation

- Damage to your own property

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
• Loss of items

Risks not covered?

- Wear and tear

- Items within an unlocked vehicle

- Electrical or mechanical breakdown

Choose from one of three different covers for each vehicle you insure: Comprehensive, Legal Liability only or Fire, Theft and Legal Liability.

Risks covered (Comprehensive only)

• Theft
• Malicious damage
• Uninsured third party damage

Risks not covered?

- Deliberate damage

- Wear and tear

- Loss of income

Choose from one of three different covers for each vehicle you insure: Comprehensive, Legal Liability only or Fire, Theft and Legal Liability.

Risks covered (Comprehensive only)

• Theft
• Malicious Damage
• Uninsured third party damage

Risks not covered?

- Deliberate damage

- Wear and tear

- Loss of income