What's covered

If you run a business that offers professional services – whether you’re a general practitioner, accountant, or engineering consultant –Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A customer accidentally trips over a chair in your waiting room and is injured.
• A child is injured after pulling a brochure stand over in your reception area.
• You accidentally knock off your client’s phone from a desk during a consultation and damage it.
• As a medical professional you provide a sample product that causes a client to have an allergic reaction.
• As an engineer you supply a faulty device used in a client’s prototype, which causes physical damage.
• While visiting a client, you accidently drop your camera equipment causing damage to their floor.
• Your client’s TV screen was accidentally smashed while you dismantle your photographic backdrop.

Types of professionals we can cover

What’s not covered

• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you accidentally damage your work laptop on the way to a client. More information on damage to your own property