What's covered

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

• Public & Products Liability (injury) – e.g., a customer trips over a trolley while inspecting plants in your wholesale nursery and is injured.
• Public & Products Liability (damage) – e.g., while loading a pallet of potted trees, a forklift accidentally knocks over a tree onto a customer's vehicle and damages it.
• Theft – e.g., a batch of high-value ornamental plants is stolen from your locked greenhouse overnight.
• Portable & Valuable Items – e.g., your handheld barcode scanner is dropped on the shop floor and breaks.
• Tax Probe – e.g., your business is audited for GST, and you need to pay your accountant to respond.
• Commercial Motor – e.g., your delivery truck is damaged by hail while transporting stock to a garden centre.

What's not covered

• Dissatisfied customer – e.g., a retailer complains that the plants delivered didn’t match their expectations and demands a refund.
• Wear and tear – e.g., your potting machine shows signs of wear from frequent use.
• Workers Compensation – eg, a staff member injures their back while lifting heavy trays of succulents. This would typically be covered under Workers Compensation Insurance.