We also offer coverage for small trucks, trailers, mobile plant & equipment, and more
Business Insurance
Trusted by Australians
More than 70,000 small businesses across Australia have chosen AAMI.
Customers rate our Business Insurance
out of 5
How we can help businesses like yours
There are a wide range of small business types in Australia – so there should be a wide range of policy options, too.
Tradies
Includes carpenters, plumbers, electricians, locksmiths and other tradies.
Market Stalls
Whether it’s a one-off exhibit or a regular stall every weekend, you can cover your set up and the goods you offer.
Hospitality
Such as cafes, restaurants and takeaway shops.
Retail
Such as bookshops, gift shops, clothing boutiques and florists.
Hair and Beauty
Such as hairdressers, beauticians and nail salons.
Domestic Cleaners
For cleaners of domestic properties - that is, people's houses, apartments and so on.
Types of Business Insurance
All our Business Insurance policies include Public Liability Insurance as standard. From there, you can add the types of cover that suit your business.
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Public Liability Insurance
Provides cover for certain legal liability (up to a selected amount) in case a third party sues your business and you're found negligent.
Small Business Insurance
From florists to cake shops, cafes to restaurants, GP’s to dentists, and many more, if you run your small business from a commercial premises AAMI’s Business Insurance has got you covered.
Business At Home Insurance
If you run a business from home, you can get one convenient policy that combines Home & Contents Insurance with Business Insurance.
Commercial Motor Insurance
Cover work vehicles like utes, vans and cars with you choice of three types of cover – Comprehensive, Legal Liability only, or Legal Liability, Fire & Theft.
Commercial Property Insurance
Cover for your commercial property, as well as your contents, fixtures and fittings, in case of insured events like fire, lighting and vandalism.
Take control of your policy
Jump online any time to request your certificate of currency, make a claim, renew your policy – and more.
Easy claims process
Our friendly team are here to help you through the claiming process – online lodgement, 24/7
Business Insurance
Information. Ideas. Inspiration.
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Have you embraced your entrepreneurial spirit? Turned a brilliant idea or specific skillset into a successful small business? You may wish to consider insuring your micro business.
Want to protect your market stall? Learn more about what market stall insurance covers, public and product liability coverage, how to get a policy and more.
When setting up a home business, a variety of costs need to be considered – and insurance may be important.
Business Insurance FAQs
Frequenty Asked Questions
How do I lodge a Business Insurance claim?
If you’d like to lodge a claim, visit our claims page.
How do I get the NSW small business stamp duty exemption?
Stamp duty is a NSW government charge calculated on the premium paid to establish insurance, collected by us and paid to Revenue NSW. Eligible New South Wales small businesses may be able to apply for an exemption on paying stamp duty for certain business insurance and commercial vehicle insurance policies.
To see if your business could be eligible visit the Revenue NSW website or seek professional advice. If you are eligible, you can call us on 13 22 44 or email us at businessinsurance@aami.com.au so that we can provide you with the approved form you need to declare your exemption.
Find out what our Business Insurance customers think
Did you know?
Comprehensive
Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
Legal Liability only
Legal Liability provides cover for damage to third party property only.
Legal Liability, fire & theft
Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.