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What you need to know
AAMI is a specialist insurance brand offering direct insurance solutions to Australian small businesses.
AAMI offers cover that can be tailored to exactly suit the needs of any enterprise.
AAMI offer customised insurance options to suit your particular business needs.
Customer service
AAMI provide 24/7 help and advice from a real person, not a machine.
Customer satisfaction
AAMI have a claims satisfaction rating of over 80%.
Competitive premiums
AAMI offer competitive pay-by-the-month premiums and immediate online coverage.
What types of business insurance does AAMI offer?
Public liability. This covers you for legal liability in case someone sues your business and you're found negligent.
Small business. This includes public liability cover and provides customised coverage that includes protection against theft, lost income due to reduced trading, valuable items and equipment and more.
Business at Home. This is tailored to anyone who runs a business at home and can include home and contents cover, valuables cover, public and products liability cover, commercial and private motor cover and more.
Legal liability. Public liability insurance of $5 million, $10 million, $15 million or $20 million, covering third party injury or property damage caused by your business.
Portable and valuable items. Covers items such as laptops, tablets, smart phones or any portable items that you use in the course of doing business anywhere in the world.
Money. Covers loss or damage of your cash due to theft, fire or armed holdup, either while in transit or at your premises.
Product liability. Covers your liability for damage to property or injury to a third party, due to the products you sell at your market stall.
Income protection insurance. Provides an income in the event that you are unable to work due to illness or injury.
Market stall. If you sell at a market stall, this can cover you for public and products liability for either 3, 6 or 12 months.
Commercial property. This can cover you for your business contents, fixtures and fittings against theft, loss or damage. Public and products liability is also included.
Commercial motor. This can protect your ute, van, car and more for business purposes, including legal liability, fire and theft.
Theft. Covers your contents and stock against theft, attempted theft or armed holdup.
Glass and signs. Covers loss or damage to glass window frontages, signs and showcases on your premises.
Commercial motor. Offers a choice of comprehensive cover for your company vehicles or legal liability cover for third party injury and property damage only.
Tax probe. Covers costs associated with an audit of your business by the ATO or other government body.
Fire and defined events. Covers property damage to your premises from insured events such as fire, lightning strike or explosion.
Car insurance. A choice of comprehensive cover, third party property only and compulsory third party injury cover.
Caravan insurance. Covers damage to your caravan and contents, towing and storage costs and your temporary accommodation costs.
Home building and contents insurance. Protects your home and contents from key events such as fire, theft, flood and storm damage.
Machinery breakdown. Covers the breakdown of machinery, computers and electronic equipment on your premises.
Deterioration of stock. Covers deterioration of perishable stock due to the breakdown of freezer or refrigeration equipment.
Goods in transit. Covers loss or damage of stock while it is in transit.
Employee dishonesty. Covers theft of your property or money by any of your employees.
Life insurance. Protects your family's financial future in the event of your terminal illness or death.
International travel insurance. Includes unlimited overseas medical expenses, lost or stolen baggage, delayed or cancelled journeys and legal liability.
Back in business. Covers a reduction in your business revenue resulting from damage to your property.
Not all of these insurance options are applicable to all business types. You have the freedom to customise the cover to suit your needs.
As well as being able to customise your business insurance package, AAMI offers a range of benefits to small business customers, including:
24/7 telephone help from a real person
A claims satisfaction rating of more than 80%
Highly competitive pay-by-the-month premiums
Immediate coverage available online.
How do I make a claim with AAMI?
If you ever have to make a claim on your business insurance, you'll find that AAMI’s claim process is as simple and straightforward as it gets. If claiming for loss, damage or personal injury, take the following steps:
Take all reasonable steps to reduce the loss or damage and prevent further damage
Call the police if you know or suspect theft, break-in or malicious property damage
Call AAMI on 13 22 44
Preserve any damaged property and make it available for inspection by AAMI or their agent
Notify any other insurers you are required to and advise AAMI of their details.
Provide AAMI with the details in writing as soon as possible
Obtain AAMI’s prior approval before retaining any professional, other than your accountant
Keep AAMI informed of all developments as they occur
Submit all accounts for professional fees to AAMI immediately after receiving them.
Get a quote for AAMI Business Insurance
If you are ready to speak with a consultant about different business insurance options available, simply enter your details in the form. Keep reading if you want to learn more about the different types of cover available.
Why do I need to speak to a broker to get a quote? finder.com.au works with a qualified broker to get quotes for AAMI Business Insurance. A broker can take you through the application process and help you with any back and forth with an insurer if you need to make a claim.
Frequently asked questions
You can pay your premiums by credit card (Visa, MasterCard and American Express all accepted), BPAY, cheque or at your post office. If your annual premiums are more than $270, you can also pay your premiums monthly via direct debit or credit card.
AAMI offers policies to businesses across a wide range of industries, including tradespeople, hospitality providers, retailers, professionals and more.
Your policy covers the employees, directors, business partners and senior executives of your business.
Yes, you’re covered anywhere in Australia for legal liability resulting from the business activities detailed in your policy documents.
This certificate is supplied when you first purchase an AAMI Business Insurance policy. However, you can request a copy via AAMI’s website or by phoning the insurer.
You’ll need to supply a range of information to purchase a policy, including:
An estimate of the business revenue
The number of business employees
The registered business name and/or registered trading name
The ABN or ACN (if applicable)
Your contact details
You can change the level of cover you have in place by phoning AAMI.
You can cancel your policy at any time by phoning or writing to AAMI.
No, there is no claim form you need to fill out. Instead, you must phone AAMI to speak to one of the insurer’s dedicated claims staff - AAMI can be contacted 24 hours a day, seven days a week.
Depending on your policy, you may need to pay one or more excesses when you make a claim. The details of any excesses that may apply are shown in your PDS.
Alex Reid is Finder’s business insurance cadet. He has a Master of Marketing from the University of Technology Sydney, with a background in business and sales. When not writing about business insurance for Finder he's a keen scuba diver, recently completed his 200th hour underwater and his PADI Divemaster certification. Before working at Finder he lived in Hangzhou China, where he studied Mandarin and Chinese culture.
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