Public Liability Insurance
Essential protection for local businesses, safeguarding against third-party injury or property damage claims that could arise from your operations
The Right Level of Cover
Public liability insurance is a crucial part of a business’ risk management policy. As a business owner, you may be held accountable for accidents or damage which occurs during your business activities, or if you unknowingly produce a defective product. This could result in a personal injury or damage claim against your business. At Insurance Advisernet Australia, we can help you make sure you, your staff and your business are protected. We have offices in Taree, Dungog and the Hunter Valley and assist clients throughout the Mid North Coast and Hunter Valley.
While not compulsory, the risks of forgoing public liability insurance are significant and could leave you in a dire financial situation. For example, if a customer, supplier or anyone else involved with your business becomes injured while you are carrying out your business activities, they may take legal action against you. This could result in hefty legal fees, as well costs for the damage or injury caused. To find an insurance solution to suit your business, contact Insurance Advisernet Australia.
What Is Public Liability Insurance?
Whether you work in public spaces or have visitors to your premises, public liability insurance can assist you against potentially costly claims. A comprehensive policy can ensure your business is covered in a wide range of scenarios, including:
- Legal costs incurred in the defence or settlement of a claim
- Support for others acting on behalf of your business when the incident occurred
- Loss or damage of goods in your care custody or control which you do not own
- Loss or damage of someone else’s property that occurs while performing your service
- Your first-aid expenses at the time of an incident
- Costs incurred as a result of injury to others whilst visiting your premises
As with other policies, the level of cover required varies depending on a risk assessment of the business’ activities. A labour heavy industry tends to need greater protection than a quiet office environment. Our insurance advisers can recommend a public liability insurance policy that suits your needs.