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What is Public Liability Insurance?

‍Public Liability Insurance and Products Liability Insurance covers your Queensland business against legal costs and compensation payments resulting from injuries or property damage to your clients, contractors or members of the public which was caused by you or one of your employees. If you are a manufacturer or distributor of a product you may also be liable for the failure of those products that you sell under the Trade Practices Act.

‍

Who needs Public Liability Insurance?

‍If you own a business, you may be liable for damage or injury to another person or property. Even though liability insurance is optional in most cases, it is strongly recommended for businesses in all industries as the likelihood of being sued for negligence is unpredictable and potentially very costly.

‍

What does Public Liability Insurance cover?

‍Public Liability Insurance would cover the compensation payment plus any legal expenses. Even when you do everything right there is always the chance of an unfortunate accident happening. You may need public and/or products liability for the following reasons:

  • Even if you don’t have visitors to your office or home, you could still suffer a public liability claim against your business; for example, if you accidentally damage a client’s property in their office
  • ‘No win, No fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a public liability claim due to easier access to the necessary legal services
  • Anyone working for you could trigger a public liability claim against your business if their actions at work injure a client or member of the public
  • Many companies and organisations will also insist on their suppliers having public liability insurance cover in place, to protect themselves.

 

Public Liability Insurance Risk Assessment Advice

‍A good way of assessing a product or public liability risk systematically is to consider the following general risks for each business location, but also consider any additional risks particular to the business in question:

  • Risks at the premises
  • Adjacent risks and common areas
  • Visitors to the premises including car parks
  • Third party property on or in the vicinity (including Goods in Care, Custody and Control)
  • Hazardous goods, pollution and environmental risks
  • Use of sub-contractors
  • Unregistered vehicles
  • Risks away from the premises
  • Collection and delivery of goods
  • Installation and other work away from the premises
  • Completed operations cover (liability arising out of work completed by the insured after that work has been handed over).

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Public Liability Insurance Brokers

 Our Brisbane Insurance Brokers can help you get the right insurance cover by assessing your specific needs and recommending the most appropriate insurance solution for your business, whilst still maintaining the highest standard of cover. We offer risk management services as part of our insurance broking practices, allowing us to review risks specific to your business and find you the public liability insurance cover that is most suitable to you.

‍Contact us today to get a Public Liability Insurance Quote.

Information Source

https://www.lmigroup.com/RiskCoach/GeneralInfo.aspx

https://www.pscconnect.com.au/business-insurance-products/public-liability-insurance/

http://understandinsurance.com.au/types-of-insurance/liability-insurance

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Madison Lindsay

Administration Executive
(07) 3279 6592
madison@hunterbroking.com.au

Andrea Niebling

Senior Account Manager
(07) 3279 6592
andrea@hunterbroking.com.au

Therese Ryan

Consultant
(07) 3279 6592
therese@hunterbroking.com.au

Josh Ryan

Managing Director
(07) 3279 6592
josh@hunterbroking.com.au

Important Update to our Clients

Hunter Broking Group Pty Ltd is committed to assisting our clients whilst navigating through all the changes as a result of COVID-19. Please be advised that some insurers are making changes to policy wordings which may affect coverage for certain insurance policies going forward. This may apply to New Business, Renewals and Endorsements. Depending on the product, the insurer may no longer accept any New Business, or limit cover available on some sections of the policy. Therefore, please consider that these changes may affect the products referred to on this website. To be clear on the current situation in relation to the impacts on your policy, please contact your Insurance Adviser for Assistance.

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Hunter Broking Group Pty Ltd (ABN 97 622 090 715)
Authorised Representative Number (1263174), is an Authorised Representative of PSC Connect Pty Ltd (ABN 23 141 574 914) AFS License No 344648
Hunter Broking Group Pty Ltd endorses the Insurance Brokers Code of Practice. To obtain a copy of the code click here Insurance Brokers Code of Practice

Disclaimer:

The information provided by Hunter Broking Group Pty Ltd on this website is for general information purposes only, and it is not a substitute for professional advice. You should always consider the PDS/Policy wording before making a decision. Coverage may differ based on specific clauses in individual policies. Refer to the FSG on our website or by requesting a copy for our services and remuneration details.