What's covered

Whether you own a clothing store, a gift shop, or you’re a mobile florist, AAMI Small Business Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a shelf falls over and injures one of your customers.
• 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 store’s ceiling collapses in a storm and you cannot trade, leading to lost income.
• Money – for example, your shop is broken into and your business money is stolen from the till.
• 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 in a hailstorm.

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.