AAMI Business Insurance

Compare business insurance from AAMI

Why choose AAMI?

Part of the Suncorp Group

AAMI is part of the Suncorp Group, the same group of companies that includes popular brands like GIO, APIA, Shannons and Bingle. This broad portfolio of insurance products and services means that the parent group employs around 13,000 people across Australia and New Zealand.

Get covered quickly online

AAMI makes it quick and easy for small business owners to get covered online. You can get a quote and buy your policy at any time of the day or night that suits you, and then access your policy documents 24/7 through your online account.

Claims support available 24/7

Whether you need to make a claim or you simply need some advice following an incident, AAMI's claims support team is available 24 hours a day, 7 days a week. You also have access to a large national network of preferred repairers.

AAMI Business Insurance review

What types of business insurance does AAMI offer?

AAMI offers three types of business insurance policies:

• Business Insurance Package: This is an all-in-one policy that allows you to combine your choice of seven different types of cover into one convenient package. The covers available are: public and products liability, business interruption, glass, theft, contents, portable and valuable items, and commercial buildings (if you own the building).
• Public and Products Liability Insurance: This standalone cover protects you if a customer, supplier or member of the public claims to suffer a loss, injury or property damage as a direct result of your business activities.
• Management Liability Insurance: This policy protects you and your business against the financial consequences of alleged wrongful acts in the management of your business. Covers available include management liability, statutory liability, crime, employment practices liability, and tax audit.

What cover is available with AAMI Business Insurance?

AAMI business insurance costs

The cost of your AAMI Business Insurance policy will depend on a variety of factors, including the type and size of your business, the level of cover you need and where your business operates. As a result, the best way to find out exactly how much cover will cost is to get a quote from AAMI directly.

However, we can give you a rough guide to how much business insurance costs. We got quotes from AAMI for the following business types to give you an idea of how much you might pay:

Rates last updated June 23rd, 2026

		Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Monthly Payment
	Resi Flexi Options Fixed - 3 Year Fixed Rate (Owner Occupier, P&I) Special A fixed term for 3 years. No monthly fees and includes offset account.	2.34%	2.71%	$150.00	$10.00 monthly ($120.00 p.a.)	90.00%		More info

How to get AAMI business insurance

Go to AAMI's website

Head to the AAMI website and click the "Get a quote" button on the business insurance page to start your quote.

Enter your details

You'll need to provide some basic details about your business, including your business name, industry and the number of employees you have.

Select your cover

Choose the types and levels of cover that are right for your business. AAMI will then give you a quote based on the options you've selected.

Buy your policy

If you're happy with the quote, you can proceed to buy your policy online. You'll be able to access your policy documents and Certificate of Currency immediately.

Can I get small business insurance with AAMI?

Yes, AAMI does offer business insurance specifically tailored for small businesses. AAMI has cover for a wide range of small business types, including:

• Tradies
• Retailers
• Cafes and restaurants
• IT professionals
• Consultants
• Real estate agencies

If you're after small business insurance, you could also check out our guide to the best small business insurance policies in Australia.

AAMI business insurance pros and cons

FAQs

• Does AAMI offer a discount for buying business insurance online?

  AAMI often provides introductory offers or promotional discounts for new business insurance policies started online. Any eligible discount is automatically applied to your base premium during the quote process. Because these offers can change, it is best to check the AAMI website directly to see the current incentive available for your specific industry.

• Can I pay my AAMI business insurance premiums in monthly instalments?

  Yes, AAMI provides the option to pay your business insurance premiums in monthly instalments to help manage your business cash flow.

• Is Workers Compensation included in AAMI business insurance?

  No. Workers Compensation is a compulsory, separate policy. In NSW, ACT, TAS, WA, and NT, you can often purchase this through GIO (a Suncorp partner brand). However, in VIC, QLD, and SA, you must obtain cover directly through the respective state government authority (e.g., WorkSafe Victoria or WorkCover QLD).

• Does AAMI cover tools stolen from a locked business vehicle?

  Yes, you can include 'Portable and Valuable Items' cover in your policy to protect specialist tools and equipment from theft when stored in a locked vehicle.

• What is 'Back in Business' cover in an AAMI policy?

  Back in Business is AAMI's version of business interruption insurance which compensates for lost revenue and increased operating costs for up to 12 months after an insured event.

• Can I get a Certificate of Currency immediately from AAMI?

  Yes, you can usually download a Certificate of Currency immediately after completing your purchase and payment online.

• Does AAMI provide tax audit insurance for small businesses?

  Yes, AAMI offers Tax Probe cover as an optional add-on. This covers the professional fees (such as accountant's fees) incurred when responding to an audit or investigation by the ATO or other Australian government revenue agencies. You can select your preferred level of cover during the quote process.

Written by

Alex Reid

Expert

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. See full bio