WHAT IS
Public Liability
Insurance
No matter who they are - customers, employees, or members of the general public - when things go wrong, you need to be able to make it right. Having the proper cover to protect yourself is essential in such circumstances.
WHAT IS
Public Liability
Insurance
No matter who they are - customers, employees, or members of the general public - when things go wrong, you need to be able to make it right. Having the proper cover to protect yourself is essential in such circumstances.
HOW WILL
Public Liability Insurance protect my business?
In business, risks are inevitable. Protecting yourself from potential liabilities is crucial. Public liability insurance plays a vital role by covering claims for accidents, damages, and lawsuits. It provides financial protection, enhances credibility, and offers peace of mind. Focus on growing your business while mitigating risks with general liability insurance.
COVERS A
Wide Range of Risks
Slip-and-fall Injuries
Property Damage
Reputational Harm
Medical Payments
Legal Fees & Defense Costs
Advertising Injury
Slip-and-fall Injuries
Property Damage
Reputational Harm
Medical Payments
Legal Fees & Defense Costs
Advertising Injury
PUBLIC LIABILITY INSURANCE
Inclusions and Exclusions
Public liability insurance policies typically have exclusions and limitations, which vary based on the specific policy and insurance provider. It's crucial to understand these exclusions and limitations to ensure you have the appropriate coverage for your business needs.
Public liability insurance typically includes coverage for the following:
- Bodily Injury: This coverage protects against claims for bodily harm or injuries caused to third parties, such as customers or visitors to your business premises.
- Property Damage: It provides coverage for damage to someone else’s property caused by your business operations or actions.
- Personal and Advertising Injury: This coverage protects against claims related to offenses such as libel, slander, defamation, or copyright infringement in your advertising or marketing activities.
- Legal Defense Costs: Public liability insurance often covers legal defense costs, including attorney fees, court expenses, and settlements or judgments resulting from covered claims.
Public liability insurance policies typically have certain exclusions or limitations. Common exclusions in general liability insurance may include:
- Professional Services: Public liability insurance does not typically cover claims arising from professional services provided by businesses. Professional liability insurance (also known as errors and omissions insurance) is designed to cover such claims.
- Intentional Acts: Claims resulting from intentional acts or willful misconduct are typically excluded from public liability coverage.
- Employee Injuries: Public liability insurance does not cover injuries to employees. Workers’ compensation insurance is specifically designed to provide coverage for employee injuries or work-related illnesses.
- Auto Accidents: Public liability insurance does not cover accidents or damages related to vehicles. Commercial auto insurance is necessary to cover such risks.
- Pollution: Pollution-related claims are typically excluded from public liability policies. Businesses requiring coverage for pollution risks should consider specialised pollution liability insurance.
It’s essential to carefully review your insurance policy and consult with an insurance professional to understand the specific inclusions, exclusions, and limitations of your public liability insurance coverage. This will ensure you have a clear understanding of the protection it provides for your business.
WHO NEEDS
This Type of Cover?
Public liability insurance is important for a wide range of businesses across various industries. Here are some examples of businesses that typically need public liability insurance:
Musicians, artists, and performers may need coverage for events or performances where the public is present.
Those organising events, whether they’re small gatherings or large festivals, could be held liable for accidents or injuries that occur during the event.
Daycare centres, schools, and educational institutions may require coverage for accidents or injuries that occur on their premises.
Companies providing cleaning or maintenance services at client locations may face liability for property damage or accidents.
Builders, plumbers, electricians, and other tradespeople may work on client premises, exposing them to the risk of property damage or injury.
Personal trainers, yoga instructors, and gym owners might need coverage for injuries that occur during fitness sessions.
Restaurants, cafes, and catering businesses often have customers on their premises, increasing the risk of accidents or food-related incidents.
Medical offices, clinics, dentists, and other healthcare providers need public liability insurance to safeguard against potential claims resulting from patient injuries, slips, falls, or allegations of professional malpractice.
Shops and stores where customers can visit may face slip-and-fall accidents, among other potential liabilities.
Owners of commercial properties may need coverage for accidents that happen on their premises.
Companies producing or selling products might face claims related to product defects, causing harm or damage.
Consultants, advisors, and other professionals who provide services at client locations could benefit from liability coverage.
Companies organising tours and excursions might need coverage for accidents or injuries that occur during the tours.
It’s important to note that the specific insurance needs may vary based on the nature of the business, location, and other factors. Consulting with an insurance professional can help determine the appropriate coverage for your specific business.
Start Your Quote For Public Liability Insurance
We will match the ideal insurance partner to you.
Start Your Quote For Public Liability Insurance
We will match the ideal insurance partner to you.
About EBI
Get in Touch
Copyright © 2023. Seeker Digital (Pty) Ltd | All Rights Reserved | ABN 70 652 388 746
Seeker Digital Pty Ltd – ABN 70652388746 operates comparison websites, including Easy-Businessinsurance.com.au (EBI), offering insurance product comparisons from a variety of Australian insurers. We do not compare all available products in the market. We compare offers from insurers that are displayed on the website, with links through to the respective company pages. EBI is not an insurer and does not offer advice. Your use of this website is subject to our complete Terms and Conditions.
EBI is an independent publisher and comparison service, and does not deal or arrange insurance in any way. Its articles, FAQs and other content are provided to you for free, as self-help tools and for informational purposes only. We aim to make the information as factual as possible, but cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances.
When delivering comparisons, or passing your details onto the product issuers, Seeker Digital Pty Ltd does not endorse any particular product or service and in no way should be treated as personal or general advice. It is advisable to review the relevant Target Market Determination (TMD) and Product Disclosure Statement (PDS) provided by each product issuer for comprehensive details and to ensure that the product aligns with your requirements.
Seeker Digital Pty Ltd may receive marketing fees based on the cost of media for delivering this service and sharing your details with relevant product suppliers. We do not have a commercial relationship with every product supplier listed on this site. Additionally, we are not owned by any product suppliers. While we strive to offer a broad comparison of products and providers, we may not cover every available option in the market. Occasionally, we may only have one provider available to fulfil your request, either due to the uniqueness of your circumstances or our specific agreements with product suppliers.
For any inquiries, concerns, or feedback, please do not hesitate to contact us through the Get in Touch form on our Contact Us page. Your feedback is invaluable to us as we continuously strive to improve our services and user experience.
At EBI, we prioritise your privacy and data security. We encourage you to read and understand our Privacy Policy, which outlines how we collect, use, disclose, and protect your personal information.