What's covered

If you’re a home-based dog or cat grooming specialist, AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, your client trips in your home while bringing a pet to an appointment and is injured.
• Public & Products Liability (damage) – for example, you accidentally spill hot coffee on a customer’s phone while they’re waiting for an appointment.
• Property Damage – for example, a pipe bursts in your home and damages your grooming equipment.
• Theft – for example, someone breaks into your home and steals some of your equipment.
• Back in Business – for example, your home is damaged by flood and you cannot trade, 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 impacted by another vehicle.

What’s not covered

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