What's covered

AAMI Business Insurance can offer cover for common risks to your business, such as:

• Public & Products Liability (injury) – e.g., a client trips over a rake left on the path while you're weeding and injures themselves.
• Public & Products Liability (damage) – e.g., while trimming a hedge, a branch falls and cracks a client’s outdoor light fitting.
• Theft – e.g., your hedge trimmer is stolen from your locked ute while parked at a client’s property.
• Portable & Valuable Items – e.g., your mobile phone slips out of your pocket while mowing and gets damaged.
• Tax Probe – e.g., your business is audited for GST, and you need to pay your accountant to respond.
• Commercial Motor – e.g., your work van is damaged by hail while parked during a job.

What's not covered

• Dissatisfied customer – e.g., your client is unhappy with the way their garden beds were mulched and demands a refund.
• Wear and tear – e.g., your secateurs have dulled blades from regular use.
• Workers Compensation – e.g., your team member strains their back while lifting a heavy pot. This would typically be covered under Workers Compensation Insurance.