What's covered

If you run a business involving lawn mowing, landscape gardening or garden maintenance, AAMI Small Business Insurance can offer cover common risks for your business:

• Public & Products Liability (injury) – for example, a client trips on gardening tools left on the ground and is injured.
• Public & Products Liability (damage) – for example, while digging in a client’s yard, you accidentally rupture a gas line.
• Theft – for example, your gardening tools are stolen from your locked business vehicle.
• 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 business vehicle is damaged by flood waters.

What’s not covered

• Dissatisfied customer – for example, your customer is dissatisfied with an item they purchased and demand a refund.
• Wear and tear – for example, your glass counter has some scratches on it due to wear and tear.
• Shoplifting – for example, a customer steals some of your stock from the shelves.
• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.