What we can cover

Whether you’re a mobile chippy, sparky, plumber, or run a business employing tradies, 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 on tools left on the ground and is injured.
• You accidentally damage a customer's tiled floor while moving equipment into their home.
• A shelf you installed in a client’s kitchen falls, injuring someone weeks after the job was completed.
• A customer’s parked car is scratched while you’re unloading business tools from your ute.
• A client claims their electrical system was damaged due to incorrect wiring work you carried out.

What’s not covered

• Workers Compensation – for example, your employee is injured at your commercial premises. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your service 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 coffee machine. More information on damage to your own property