What's covered

Whether you sell homemade jams online or bake goods at home to sell at markets, AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury from product) – for example, a customer has an allergic reaction to your food.
• Public & Products Liability (damage) – for example, you accidentally spill hot coffee on a customer’s phone while they’re picking up an order.
• Theft – for example, someone breaks into your home and steals your business money.
• Portable & Valuable Items – for example, you accidentally damage your mobile phone while delivering food.
• Back in Business – for example, a fire damages your home and you cannot trade, leading to lost revenue.
• Tax Probe – for example, your business’s GST is audited and you need to pay your accountant’s fees.
• Commercial Motor – for example, flood waters damage your food van.

What’s not covered

• Damage from cooking involving deep fat frying – for example, you deep fry chicken in your home and an oil fire breaks out.
• Professional Indemnity – for example, your customer is dissatisfied with their food and demands a refund.
• Wear and tear – for example,  your cooking equipment is getting old due to wear and tear and needs to be replaced.
• Workers Compensation – for example, your employee is injured in your kitchen. This would typically be covered under Workers Compensation Insurance.