What's covered

Whether you’re a mobile chippy, sparky, plumber, or run a business that employs tradies, AAMI Small Business Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a customer trips on tools left on the ground and is injured.
• Public & Products Liability (damage) – for example, you break a water pipe, leading to damage in a client’s home.
• Theft – for example, your tools are stolen from your locked business vehicle.
• Portable and 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 storm.

What’s not covered

• Wear and tear – for example, the grip on your hammer has faded due to wear and tear.
• Unlocked vehicle – for example, you left your vehicle unlocked and someone steals your power tools.
• 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 at your commercial premises. This would typically be covered under Workers Compensation Insurance.