What we can cover

Whether you’re a residential or commercial electrician, or run a business that employs electricians, AAMI Business Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a customer accidentally trips on tools left on the ground and is injured.
• Public & Products Liability (damage) – for example, you accidentally damage a client’s wall while installing electrical fittings.
• Theft or damage of tools and portable equipment (under Portable and Valuable Items cover option) – for example, your electrical tools are stolen from your locked vehicle, or you accidentally drop them or damage them.
• Mobile phones and laptops (under Portable and Valuable Items cover option) – for example, you accidentally drop your mobile phone and damage it at a work site.
• 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.
• Optional Rental Vehicle After Accident (available under Comprehensive Commercial Motor) – for example, if your car is in for repairs after an accident, adding this optional cover can help keep you on the road and reduce the risk of lost income.

What’s not covered

• Dissatisfied customers – for example, your customer is dissatisfied with your service and demands a refund.
• Wear and tear – for example, your garden shears have dull blades due wear and tear and need 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 while on a worksite. This would typically be covered under Workers Compensation Insurance.