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Comparing Public Liability Insurance for more occupations

Comparing Public Liability Insurance for more occupations

Public Liability Comparison is now comparing public liability insurance cover for more occupations. Even if you have been unable to find quotes online directly with the insurers.

Even if you have been unable to find quotes online directly with the insurers.

Even if you have been unable to find quotes online directly with the insurers, we may be able to offer quotes.

The following is a list of occupations that we have recently found quotes for from one insurer. Comparing Public Liability for more occupations

Comparing Public Liability For:

  • Accommodation - Holiday Cottages
  • Air-conditioning sales, service and installation (including humidifiers
  • Amusement Operator of Zorb Balls
  • Art Workshops and Market
  • Arts and crafts classes for children. Scissors, paper, glue, glitter, sequins, etc – no wood.
  • Balustrade manufacturing and installation
  • Boarding House
  • Boat builder / repairer up to 50 ft
  • Boilermakers / Welders / Fabrication (Excluding structural erection)
  • Building Maintenance (including painting)
  • Cabinet makers including installation
  • Camel Rides
  • Children's Entertainment - face painting, games, parties
  • Children's Party Entertainer
  • Community Cultural Clubs
  • Computer System Design
  • Concrete and or Formwork Contractor
  • Construction industry - Labour hire
  • Construction industry - Project Manager, Foreman, Supervisor.
  • Contract Consultant including Project Manager and Site Supervisor
  • Contract Manager - Caravan Park, Camping and Recreation reserve
  • Dancing instructors
  • Distribution and Supplier of Packaging Products,Pallets and Misc.
  • Earthmoving Contractors
  • Electrical Contractors including retails sales
  • Event Organisers
  • Farmstay
  • Farrier
  • Fashion Accessory Wholesalers
  • Fencing Contractor
  • Fitter / Mechanical repairs including sales of parts. (Excluding Driving Risk.)
  • Fitter / Mechanical repairs including sales of parts. (Including Driving Risk to $100,000.)
  • Function Centre - Mainly for Weddings, Birthday Events etc. In-house kitchen, food provided, with Bar facilities
  • Furniture Removalist and Storage (Domestic only)
  • General machinery maintenance
  • Handyman work only, excluding work where a Licence is required - e.g. plumbing, electrical etc.
  • Highrise Painting Contractors
  • Highrise Window Cleaners
  • Hire - Plant
  • Hire - Skip Bin
  • Hiring of Caravans. Long-term sited units only
  • Hotel
  • Indoor Play Café
  • Installation of Underground pipes and cables
  • Lift Maintenance Service
  • Light engineering (non structural)
  • Logging and or sawmilling
  • Logistics advisor/co-ordinator. Basic planning for trips, accommodation reports, flights
  • Manufacturers of corrugated cardboard and custom made boxes with max of 10% of imports.
  • Market stalls (excluding Products Liability)
  • Mineral Exploration including water drilling
  • Mobile DJ
  • Motel
  • Operator of Coin Operated machines
  • Painting / Protective Coating
  • Plasterer (Including external work)
  • Playground Installations
  • Property owner only
  • Property Owners - vacant land only up to 10 hectares
  • Property owners of retail and commercial property
  • Pumping and irrigation equipment - sales, service and installation
  • Quarry operation
  • Rail Work
  • Recording/distributors of hypnosis, self-help and relaxation CDs & MP3s
  • Registered Training Organisation - Classroom only. The students may on work experience for a couple of weeks as part of their course
  • Restaurants - Up to 50 covers (over 50 covers to be referred)
  • Road Construction
  • Sandblasting, water blasting, soda Blasting
  • Scaffolders
  • Self Storage Units
  • Shopping Trolley Collection Service including damage to vehicles
  • Skip bin waste collection
  • Specialist Cleaners of Rugs
  • Spray painting (no height limit)
  • Swimming pool installers including landscaping, fencing, lighting and tree lopping of branches to 5 metres
  • Tour Operator - Sightseeing tours
  • Transport Operation, storage and distribution
  • Transportable building - Sales, lease, maintenance and installation
  • Tree Lopper / Tree Surgeon / landscaping / mowing and general lawn maintenance
  • Tree Loppers/Fellers
  • Unoccupied building/s
  • Upholsterer
  • Vehicle Pilot
  • Window Cleaner
  • Wine Bars

 

Talk to our team on 1300 046 787, to discuss your requirement.

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

en provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

Slippery When Wet $650000 Fine

Can I get a monthly public liability insurance policy?

 

The chairs that could cost your business three hundred thousand dollars

Business discussions that could cost your business

Stephen Sloan insurance broker with Insure 247 urges businesses to consider that it's often the small things that can cost your business a lot of money.

could cost your business

In a recent case in the New South Wales District Court, Kmart Australia was  made to pay compensation when an $8 plastic domestic use only chair collapsed when I client sat on it.

Awarded more than $300,000

According to the SMH*

Ms Lewis suffered permanent damage to her lower back, right buttock, thigh, and knee among other injuries.

She was awarded more than $300,000 in damages.

In making her decision to award Ms Lewis the sum, Judge Gibson noted that Kmart had breached its duty of care.

"To keep the photo lab (and its income) flowing, Kmart and its staff allowed the development of a haphazard system of customers taking chairs for sale in other departments (itself a breach of store policy) for use in circumstances where those chairs were unsuitable to the point of being dangerous," she said.

"I am satisfied that the plaintiff has established breach of duty of care. The defendant's failure to provide adequate seating for its customers in the photo lab, training for its staff and regulation of equipment use all play a role in relation to the circumstances of the accident."

Public Liability Insurance Offers Protection

Broker Stephen Sloan explains "Public Liability Insurance cover can protect the business owner where it is found to be negligent. It will also offer some protection for the high legal cost of defending such events.

Going without public liability cover may save you money spent on premiums, however in the event of a claim that saving may cost you your business.

Does Your Business Have A Plan?

It is not that anyone at Kmart intended for the client to get hurt and at no stage did the management of Kmart have any actual involvement in the actions that lead to the injury, however, they do need a system for training for their staff and the regulation of equipment, does your business do that?

It's also worth considering a risk mitigation when purchasing items used by the public or your staff, consider the use and consider is it appropriate for the intended use.

More Information

Sole Trader To A Company Does my Policy Cover Me?

Consumer Protection Insurance

Sole Trader To A Company Does my Policy Cover Me?

If you are still unsure, talk to our team on 1300 046 787, to discuss your requirement.

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

Compare Public Liability Insurance

1300-Insure

Public Liability Compared

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

Source *Sydney Morning Herald

Can I get a monthly public liability insurance policy?

How do I get a monthly public liability insurance policy?

Steve Sloan, a broker with Insure 247 explains that a monthly public liability insurance policy is not a good option for the insurer or the insured;

“Most policies are created to protect a client during the insured period or if a claim arises from the insured activities within that period, if you take a short-term cover you may lose that protection.

Most insurers offer you an annual policy with cover for that annual period after the expiry date of the policy for unknown claims.

Business people who seek a short-term policy are generally seeking cover because they are being asked to get that cover by a head contractor as it is a condition of their insurance, or perhaps a government tender requires it. If you only take insurance for this period you run the risk of costly claim after you have finished the work and the head contractor can a most like will pursue your business for the debt. And let's be honest there are not many businesses that can afford a multi-million dollar claim.

let's be honest there are not many businesses that can afford a multi-million dollar claim

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

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What is the alternative?

Most brokers and some direct insurers will, however, offer instalment options, sometimes through finance companies, these third parties generally make their money on the transaction by charging interest and dividing the total amount over monthly payments, this does not however mean you have a monthly policy.

If you cancel the policy, especially in the first few month, you can lose fees and charges that may result in a shortfall or for you to pay a larger some to cancel the policy. So before you enter into an instalment option check to see the cancellation fees, charges and total cost of the annual policy, but remember if you are planning to cancel you are doing so against the broker’s advice.

More information

https://publicliabilitycomparison.com.au/sole-trader-company-policy-cover/

https://publicliabilitycomparison.com.au/chairs-cost-your-business-three-hundred-thousand-dollars/

If you are still unsure, talk to our team on 1300 046 787, to discuss your requirement.

Compare public liability insurance policy?



1300-Insure

Public Liability Compared

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

What Limit Of Liability Do I Require?

What Limit Of Liability Do I Require?

When you start to look for Public Liability Insurance, one of the first questions you must decide is what limit of liability do you require?

What is Limit of liability?

Insurers will offer limits of liability starting at $5 million, and can go up to $50 million.This is the insurer's maximum payout in the event of a claim

Steve Sloan a broker with Insure 247, explains;

You should consider your clients when choosing a limit of liability

If you deal with the public, then $5 million would cover most claim situations.

If you deal with other businesses (B2B) then $10 million may be required.

If you deal with local government, state or federal government, airports or ports then $20 million is probably going to be the minimum requirement.

If you are still unsure, talk to our team on 1300 046 787, to discuss your requirement.

requirement.

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED



1300-Insure

Public Liability Compared

Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs