AAMI public liability insurance is a business insurance product sold under the AAMI brand in Australia, and this guide sets out what AAMI's own pages say about it. We could not confirm which company issues the policy, and we do not rate or recommend AAMI.
Quick answer
AAMI's page says its cover is for public and products liability, with limits of $5 million, $10 million or $20 million depending on occupation. It names no insurer, so check the entity in your documents.
AAMI Public Liability Insurance at a Glance
| Question | Short answer |
|---|---|
| What is the product called? | The AAMI page describes cover for public and products liability |
| What does it cover? | Accidental injury to others, other than an employee, and property damage |
| Which limits does it show? | Up to $5 million, $10 million or $20 million, depending on occupation |
| Does the page list exclusions? | No. It refers to the product disclosure statement and policy wording |
| How can you get a quote? | Online by occupation, or by phone |
| Who is the insurer? | The pages name the brand only, so we could not confirm the entity |
| How do you complain? | On the spot or within 5 working days, then internal review, then AFCA |
Who Issues the Policy: What We Could Not Confirm
The AAMI product page and complaints page give no legal entity, ABN or licence number that we could find. The APRA register of general insurers, which showed an update date of 23 September 2026 when we read it, lists insurers that are authorised, in run-off or revoked.
We cannot say which entity stands behind a current policy, so we do not name one. Your documents will name it. Search the register for that exact name, as business.gov.au suggests.
What the Product Page Says
The page, published and last modified on 19 September 2025, describes cover for accidental injury to someone other than an employee and for property damage. It says about 700 occupations can be quoted online and that you can pay monthly at no extra cost. It lists no exclusions.
The so what: the policy wording is where you find what is not covered, so ask for it before you buy. Our guide to what public liability covers explains why exclusions decide so much.
What AAMI Articles Say About Limits and Cost
AAMI's explainer articles are commercial pages with 2022 dates, so read them as the insurer's views. An article published on 12 August 2022 says there is no set maximum limit, but that for most standard policies the maximum will likely be $20 million. It adds that doubling the limit to $10 million raises the premium by less than double.
A separate article from 22 March 2022 lists what can move a premium: business type, level of cover, inclusions and exclusions, activities such as working at height, business size, offsite work and previous claims. It gives no premium figures, and neither do we. A third article, published on 5 August 2022, says cover might be required in contracts for work and by some licensing authorities.
Our cost guide explains these factors, and our requirements guide shows where a contract or licence can set a limit.
Complaints and Disputes
The AAMI complaints page says a complaint is usually resolved on the spot or within 5 working days. If not, it moves to Internal Dispute Resolution, and the page states no fixed timeframe for that step. The next step it names is the Australian Financial Complaints Authority (AFCA). The page gives conflicting dates, so re-check the steps.
Our national guide explains that AFCA says it cannot consider public liability for small business insurance products, so ask early whether it can help.
What to Check in the Wording
Use these questions on any policy:
- Does the limit meet each contract, licence or lease I hold?
- Does an exclusion touch the work I do?
- Are defence costs inside the limit or in addition to it?
- Is the entity on the policy the one named on my contracts?
A certificate of currency confirms the entity covered, the type of cover and that the policy is valid on a given date. Our certificate guide explains what to expect.
Where to Go Next on Cairn Cover
The one thing to remember: verify the insurer, then read the wording. Cairn Cover is a free guide and does not sell insurance or quote prices. Start with the national guide, then the quotes guide, the Queensland guide and our Allianz guide for a brand page in the same format.
Frequently Asked Questions
What does AAMI public liability insurance cover? AAMI's page describes cover for public and products liability, meaning accidental injury to others other than an employee, and property damage. It lists no exclusions, so read the product disclosure statement and policy wording for what is not covered.
Which company issues AAMI public liability insurance? The AAMI pages we read name only the brand. The APRA register lists authorised insurers, but we could not link one to this product. Check the entity named in your policy documents and search the register for it.
What limits does AAMI show? The product page says that, depending on occupation, you can select a limit of up to $5 million, $10 million or $20 million. Which limit suits a contract is a question for the contract and a licensed adviser.
Does Cairn Cover recommend AAMI? No. We use an insurer's own pages and the regulator's register to explain what is verifiable. We do not rate insurers, show reviews or tell you what to buy.