Does Public Liability Cover Faulty Workmanship?

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Does Public Liability Cover Faulty Workmanship?

Public liability insurance protects you and your business against the financial risk of being found liable for negligence. This may be for property damage or personal injury to a third party. However if that loss is the result of faulty workmanship it may result in your claim being declined.

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Insurers Wording

One insurers wording excludes claims “for the cost of performing, completing, correcting or improving any work undertaken by You.”

Some insurers do offer Faulty Workmanship Insurance, and others also will allow you to add as an extra to your business insurance or public liability policy.

Still unsure, speak to a specialist, get them to review your potential risks and possible mitigation.

Allianz wins Award for excellence in claims-handling

Allianz Wins Claims Award

For the second consecutive year, Allianz Australia has won the Gold Mansfield Award for excellence in claims-handling at this year’s Mansfield Awards ceremony.

In addition to taking home the top prize, Allianz was a winner in the personal lines category, and won the SME property and casualty for the second year in a row.

Allianz wins Award with one of their largest underwriting agencies

Allianz was also finalist in the corporate property and casualty category, and one of their largest underwriting agencies GT Insurance finalist in the specialist category.

The third annual awards, organised by Insurance News and LMI Group, promote the critical role that claims professionals play across the insurance industry and recognise those achieving excellence and good faith in this sector. Winners and finalists are determined through official reports and anonymous surveys conducted by LMI.

Allianz Wins Award

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

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PUBLIC LIABILITY INSURANCE

At Publicliabilitycomparison.com.au we quote broadform liability cover, this covers your business against claims for personal injury to another person (other than employees) or damage to property owned or controlled by someone else, or advertising liability. Property damage, personal injury or advertising liability which gives rise to legal liability must happen during the period of insurance and be caused by an occurrence in connection with your business activities, Broadform also cover product liability.

Publicliabilitycomparison.com.au by Insure 247 Pty Ltd ACN 612944215 an Authorised representative of Ausure Pty Ltd Australian Financial Service License Number 238433.

General Advice

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

Slippery When Wet $650000 Fine

Slippery When Wet

A recent decision by the Queensland Court of Appeal has set the standard for compensation payouts for Slippery When Wet claims.

Silwood v Chandler [2016] QCA 273

The plaintiff alleged that as the occupier, it was incumbent upon the defendant to:

  • Switch on the outdoor light or otherwise illuminate the relevant area;
  • Warn the claimant the area may be wet; and
  • Ensure the area was dry.

Judgment was awarded in favour of the plaintiff to the value of $650,000.00

According to Aaron Clark of HopgoodGanim Lawyers

"Courts are beginning to expect occupiers to actively mitigate potential risks they may be aware of. A homeowner may not think their wet steps or porch are slippery. However, if a guest has no way of knowing these surfaces are wet at all, it is now incumbent upon an occupier to warn the guest against that risk."

Would Insurance Cover The Risk?

Steve Sloan from Insure 247 explains that although this was a residential situations, businesses should also take active steps to reduce the risk, if you are aware of a slippery or dangerous situation you should mitigate the risk.

The award and cost would generally be covered by a home insurance policy, however in the case of a business a public liability policy would be required.

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

Public and Products Liability Insurance Quotes

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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 inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs. Please read the Product Disclosure Statement and contact us if you require any clarification.

 

Public Liability Insurance Risks

Does Public Liability Insurance Cover Business Car Accidents?

 

Protecsure Enhances Liability Cover for Small Business

 

Protecsure Enhances Liability Cover for Small Business

Protecsure have announced  their Public Liability Insurance wording has been enhanced to now provide cover for the following additional occupations;

  • Drone flying (commercial and licensed only)
  • Hairdressers with treatment risk
  • Beauticians with treatment risk
  • Mechanics with driving risk
  • Gardeners with tree lopping up to 3 metres

They have also changed their rating matrix to exclude employees who are not skilled in the chosen occupation. For example, if you are an electrician and you employ a receptionist and a bookkeeper, these two employees do not need to be declared.

Additionally, Protecsure no longer require a minimum of 3 years experience for any occupation.

Policy Features

Together with our Protecsures's other policy features such as;

  • Market leading sub-contractors extension
  • Waiver of subrogation
  • Worker to Worker cover with no additional excesses or premium loading
  • $50,000 Consumer Protection for plumbers in Vic and electricians in Qld

Protecsure public liability insurance

Protecsure is a general insurance underwriting agency formed in 1990, They are an agent for Chubb, AIG Australia Limited and W.R. Berkley Insurance(Europe), Limited incorporating W.R. Berkley Insurance Australia

Protecsure offer marine transit, equipment and public liability insurance

 

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

Public Liability Compared

Publiclaibiltycomparison.com.au is brought to you by Insure 247 to assist Australian business compare Public Liability Insurance quotes from leading Australian Business Insurers :

Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433..

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