Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
Public Liability Insurance
Provides cover for your business if its activities - or products you sell - accidentally cause property damage or injury to a third party.
Coverage
When you might need
Public Liability Insurance
If your business does any of these
Some possible scenarios include
Workers Compensation
Commercial Motor Vehicles
You may be able to add cover for Commercial Motor Vehicles to your Business Insurance policy.
Product recalls
Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition
What isn’t covered
For more detail, read the
Product Disclosure Statement (PDS)
Some industries AAMI covers
Including a few of the many scenarios when having Public Liability Insurance may help.
Tradies
Whether you’re mobile or operate from a fixed address. Possible scenarios include a tradie from another business tripping on your tools or you fall through a customer’s ceiling during an installation.
Domestic Cleaners
For cleaners of domestic properties, should cleaning chemicals damage soft furnishings or someone trips over a bin you just moved.
Landscapers & Gardeners
If you or an employee puncture a client’s underground sprinkler system during routine maintenance work.
Photographers
Whether it’s for a wedding, landscape, sports or maternity shoot, if a client slips on bubbles you provided or someone trips over your photography equipment bag.
Hairdressers & Beauticians
Beautician or barber, hairdresser or nail stylist, cover if a customer has an allergic reaction to a treatment you just finished or you spill hot wax on a customer’s clothing and phone.
Cafes & Restaurants
A customer sues you after suffering food poisoning , a staff member spills hot food or drinks on a customer, or someone slips on a wet floor.
What is Public Liability Insurance?
Public Liability insurance is cover that helps businesses take care of the associated costs if customers, suppliers, or members of the public are injured or sustain property damage as a result of that business’ activities. It can help with compensation costs after accidents, slips, trips, and more.
Why is Public Liability Insurance important?
Small business owners have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.
What is Products Liability?
Products Liability insurance is designed for businesses who are involved in the production, supply or sale of products to members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business's product.
Business Insurance
Get informed about AAMI Business Insurance
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Owning and operating a business comes with a lot of responsibility. Learn more about why it’s important to cover your business with Public Liability insurance.
Wondering if you need public liability insurance? It all depends on your business, industry and other circumstances.
Insurance for tradies, such as portable items or public liability insurance, can help protect your tools and business from liability or loss - find out how.
Public liability insurance may seem to be expensive for small business owners. Make sure you have the right coverage by knowing your options and getting a custom quote for your business.
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
Public Liability Insurance
Frequently Asked Questions
All AAMI Business Insurance products have a combined Public and Products Liability cover. Both Public and Products Liability provide coverage for third party injury or property damage that you might cause. The difference is that Public Liability relates to injury to a person or damage to a person’s property that you cause whilst you’re on the job, and Products Liability relates to injury to a person or damage to their property caused by any products you distribute, supply or manufacture.
There are a few scenarios not covered by Public and Products Liability Insurance, including:
- Injury to any employees you might have (this can be covered via Workers Compensation Insurance),
- Civil legal liability incurred as a result of your professional advice (this can be covered via Professional Indemnity),
- Pollution,
- Asbestos, and
- Product recall.
Please refer to the Product Disclosure Statement or the full list of exclusions not covered by our Public and Products Liability insurance.
Each business is different, and as such has different needs when it comes to insurance. However, in making the decision you may want to take into account the following factors:
The contracts you work on. Some contracts will stipulate the minimum amount of cover required. If your business is within a shopping centre, you may find that the contract stipulates a minimum of $20m cover is required
The conditions of your licence (if applicable). As an example, electrical contractors are required to hold a minimum of $5 million public liability cover in order to obtain their licence in some states.
AAMI can offer limits of $5m, $10m, and $20m cover, which can be purchased online or via our Australian-based Call Centre on 1300 176 698.
Workers Compensation
Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
Commercial Motor Vehicles
You may be able to add cover for Commercial Motor Vehicles to your Business Insurance policy.
Product recalls
Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition