What's covered

If you run a business that offers professional services – whether you’re a general practitioner, accountant, or engineering consultant – AAMI Small Business Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a customer trips over a chair in your waiting room and is injured.
• Product damage – for example, pipes in your office burst causing water damage to your business equipment.
• Portable & Valuable Items – for example, you accidentally drop your mobile phone and damage it.
• Theft – for example, someone breaks into your office and steals some of your specialist equipment.
• 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 in a storm.

What’s not covered

• Unlocked vehicle – for example, you left your vehicle unlocked and someone steals your business laptop.
• Wear and tear – for example, the furniture in your waiting room has frayed due to wear and tear and needs to be replaced.
• Loss of income – for example, if your car is in for repairs after an accident, you may lose income if you can't use it for your business.
• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.