Public Liability Insurance
Outstanding Service and Professional Advice for business owners, property owners and tradespeople.
Public liability insurance protects your business against claims resulting from accidents or injuries that occur as a result of your business activities.
A liability insurance policy includes cover for:
Injury to a third party
Provides protection against personal injury claims from a third party (customers, suppliers, or member of the public). Claim payments can include medical costs and compensation for lost income if the injured third party is unable to work for a period of time.
Damage to third party property
Covers the costs to repair or replace third party property that was accidentally damaged during the course of your business operation.
Legal costs
Covers expenses associated with investigating and defending a liability claim. If a claim is brought against your business, you will need to respond. Even if you are not found liable, the legal fees associated with your defense can be expensive.
Need Public Liability Insurance? We can help
Expert public liability insurance brokers.
Access to specialty underwriting agencies to assist with high-risk industries.
No call centres. Direct mobile and email access to your liability insurance broker.
What does Public Liability Insurance not cover?
- Costs of rectifying faulty workmanship.
- Personal injury to you or any of your employees.
- Damage to property that the business owns.
- Loss arising from professional services or advice.
- Liabilities assumed under contract.
Insurance Tip #1
Read the endorsements on your insurance schedule. These endorsements can restrict the cover offered by your insurer or place certain requirements on your business activities for cover to take effect.
Insurance Tip #2
Disclose all your business activities. If your business activities change during the year, advise your insurance broker. An insurer can decline your claim if it is a result of an undisclosed business activity.
Insurance Tip #3
Accurately disclose business turnover. If your business has grown, your insurer needs to know. Under disclosing the size of your business will cause issues when / if you need to lodge a claim.
Insurance Tip #4
If you engage sub-contractors or labour hire personal, your insurer needs to know. Some of the largest public liability claims we have seen are for personal injury to a sub-contractor.
Need to lodge a claim.
Call us on 1300 167 143 or Click here to complete our fast-track online form.