What's covered

Whether you’re a home-based florist, sell home-made jewellery or artwork at markets, or sell various home-made goods on online marketplaces – such as Etsy, Amazon, Gumtree, or Facebook – AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a client trips in your home while picking up an order and is injured.
• Public & Products Liability (damage) – for example, an electrical product you sell to a customer causes a fire in their home.
• Back in Business – for example, your home’s ceiling collapses in a storm and you cannot trade, leading to lost income.
• Money – for example, your home is broken into and your business money is stolen.
• Portable & Valuable Items – for example, you accidentally drop your mobile phone and damage it.
• Tax Probe – for example, your business’s GST is audited and you need to pay your accountant’s fees.
• Commercial Motor – for example, your employee damages your work vehicle while delivering a product.

What’s not covered

• Professional Indemnity – for example, your customer is dissatisfied with an item they purchased and demand a refund.
• Wear and tear – for example, your sewing machine used to make clothes has some scratches on it due to wear and tear.
• Unlocked vehicle – for example, you left your vehicle unlocked and someone steals your business stock.
• Workers Compensation – for example, your employee is injured in your home. This would be typically covered under Workers Compensation Insurance.