Public Liability Insurance
Expert Public Liability Insurance Brokers For Australian Business.
Call Us: 1300 900 207
What is public liability insurance?
Public Liability Insurance helps cover legal costs and compensation if someone is injured or their property is damaged because of your business activities. Whether it happens at your workplace or while you’re working at a client’s site, this cover protects you from unexpected expenses.
If your business works with customers, clients, or the public, Public Liability Insurance is something you don’t want to go without. Accidents happen, someone could trip over equipment, a customer might get hurt on your premises, or you could accidentally damage a client’s property while on the job. Without the right cover, you could be stuck paying legal fees and compensation out of your own pocket.
Who needs public liability insurance?
Public Liability Insurance is a must have for many businesses across different industries. If your work involves dealing with customers, visiting client properties, or operating in public spaces, this cover helps protect you from the financial impact of accidents, injuries, or property damage. Without it, a simple mishap could leave you facing costly legal fees or compensation claims.
Public Liability Insurance is highly recommended for:
- Retailers & Shop Owners
- Tradespeople & Contractors
- Event Organisers & Entertainment Providers
- Consultants & Freelancers
- Fitness & Sports Instructors
- Hospitality Operators
What Does Public Liability Insurance Cover?
Public Liability Insurance offers a safety net against a variety of incidents that can occur in the course of your business operations. It is designed to protect your business financially from claims made by third parties for injuries or damages they have suffered as a direct result of your business activities. The main areas covered:
Did you know?
3,119,723
The number of public and product liability risks written by Australian insurers in the 2019 underwriting year.
31,539
The number of public and product liability claims made in the 2019 underwriting year in Australia.
1,328,054,000
(in AUD) The total value of public and product liability claims in the 2019 underwriting year in Australia.
Your Trusted Business Insurance Partners, Wherever You Are
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Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Find The Right Cover
Complete the form to request a QUOTE. Call us at 1300 900 207 for an immediate response.
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Need A Public Liability Insurance Quote?
Running a business comes with risks, but the right Public Liability Insurance can help protect you from unexpected costs. If a customer gets injured on your premises or you accidentally damage someone’s property while working, having the right cover means you won’t be left paying out of pocket.
Coverscope helps businesses find tailored insurance solutions, so you can focus on your work while we handle the risks. Need a quote? Get a fast, no obligation quote today or speak with one of our insurance experts for more details.
Personal Injury
If someone suffers an injury due to your actions or product, public and product liability insurance can help cover the compensation costs and legal expenses.
Property Damage
If property is damaged as a result of your actions or product, public and product liability insurance can help cover your liability, including compensation and legal expenses.
Advertising Injury
Liability arising out of non-physical damage linked to advertising, such as defamation, copyright infringement, invasion of privacy, or using someone else’s advertising ideas.
Case Study
Unbeknownst to a café owner in Melbourne, customers had tracked in water on a rainy day. Unfortunately, a customer slipped and injured their wrist and lower back, later filing a legal claim for medical costs and lost income.
Fortunately, the café’s public liability insurance covered the legal fees and settlement costs, preventing a major financial setback for the business.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Policies generally won’t include cover for:
- Cost of rectifying faulty workmanship
- Damage to your own product
- Claims by employees
- Claims arising out of the use of a registered motor vehicle
- Claims related to asbestos
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Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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Suite 10B, Level 10, 2 Corporate Court, Bundall QLD 4217
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
What does public liability insurance cover?
Public liability insurance helps cover legal costs and compensation if your business is found responsible for injuring someone or damaging their property. It applies to incidents that happen at your workplace, on a job site, or anywhere your business operates.
How do I determine the appropriate level of public liability coverage for my business?
Assessing the right amount of coverage involves considering factors like the nature of your business activities, potential risks, and contractual obligations. Consulting with our expert insurance brokers can help tailor a policy that fits your specific needs.
What steps should I take if a claim is made against my business?
Immediately notify your insurance provider or your dedicated Coverscope broker, document all relevant details of the incident, and cooperate fully during the investigation. Prompt action can facilitate a smoother claims process and help mitigate potential financial impacts.
