What's covered

If you’re a home-based sports or remedial massage therapist, AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, your massage table collapses under the weight of a customer and they are injured.
• Public & Products Liability (damage) – for example, an electrical product you sell to a customer causes a fire in their home.
• Property Damage – for example, a pipe bursts in your home and damages your massage equipment.
• Theft – for example, someone breaks into your home and steals some of your equipment.
• Back in Business – for example, your home ceiling collapses in a storm, blocking customer access and leading to lost income.
• Money – for example, your business money is stolen in an armed hold-up on your way to the bank.
• Commercial Motor – for example, your business vehicle is damaged in a hailstorm.

What’s not covered

• Professional Indemnity – for example, your customer is dissatisfied with their massage and demands a refund.
• Wear and tear – for example, your massage towels are starting to wear out due to regular use and need replacing.
• Shoplifting – for example, a customer received a massage treatment and left without paying.
• Workers Compensation – for example, your employee is injured during an appointment. This would typically be covered under Workers Compensation Insurance.