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Is Faulty Workmanship Covered Under My Public Liability Insurance

Is Faulty workmanship covered?

Is Faulty Workmanship Covered Under My Public Liability Insurance?

We asked Steve Sloan a broker with Insure 247, if we did repairs for a client that failed would we be covered?

Your public liability policy covers your business, for losses to a third party

"Your public liability policy covers your business, for losses to a third party.

You should check the product disclosure document as each insurer has a different approach to claims as a result of Faulty Workmanship."

An example of an insurer's approach to Faulty Workmanship

In the PDS from a leading Insurer it states:

We agree (subject to the terms, Claims conditions, General Policy conditions, Exclusions, definitions and Limits of liability incorporated herein) to pay to You or on Your behalf all amounts which You shall become legally liable to pay as

Compensation in respect of:

1. Personal Injury, and/or

2. Property Damage, and/or

3. Advertising Injury,

However under the "COVER SECTION EXCLUSIONS," it states
11. Faulty workmanship

for the cost of performing, completing, correcting or improving any work undertaken by You. (this means work that you do to repair or replace would not be covered)

According to Steve Sloan "Subject to the wording, it's likely that your policy will cover third party losses, but it may have a higher excess."

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If you are still unsure speak to a broker on 1300 046 787

Public and Products Liability Insurance Quotes



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Public Liability Insurance 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. Please read the Product Disclosure Statement and contact us if you require any clarification.

Faulty Workmanship Insurance

 

If A Bakery Makes Someone Sick Will Their Public Liability Policy Cover Their Clients?

product-liability

If My Bakery Makes Someone Sick  Am I Covered?

In the event of customer of a bakery, cafe or restaurant getting sick with illness such as salmonella poisoning, where the illness creates a loss can the insured claim off their Public Liability Policy?

What is covered?

Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or economic loss resulting from your negligence.

And Product Liability Insurance covers your business in the event that the product you sell, supply, repair or deliver causes death, personal injury or property damage. Product liability insurance covers you if any of these events happen to another business or person by the failure of your product or the product you are selling.

So in the event of food poisoning such loss might look like

  • Loss of wages for clients with the poisoning
  • Medical Expenses
  • The injured parties legal fees*

*Legal Costs and Expenses cover is part and parcel of Liability insurance and defence costs are usually additional to the limit of liability. The Policy Limit of Liability is usually inclusive of Third Party Costs awarded against the Insured but this is not always the case, please check with your broker or insurer.

What if its not our fault?

Salmonella infection is a notifiable condition, and in the case of a business it's likely to be investigated by the local council.If it turns out one of your suppliers is guilty of  negligence, you may have a good position for claiming off them and it may include loss or damage to your brand as a result.

Click Here to Arrange a Quote 

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

 

Clothing Retailers & Wholesalers

 

Lost your client keys?

Lost your client keys? Your Public Liability Policy may cover you

If your business involves you having keys to clients premises, your at risk of a third party property claim in the event that you lose those keys.

Imagine the horror of not be able to find the keys, what if they were stolen and the thieves use it to strip out your clients property, are you liable?

keys

Am I covered?

What if your clients keys are used by you and 100 other people, will you be liable for the replacement cost of all the keys?

What if they are stolen from you car, will your businesses public liability policy cover the resulting loss?

According to Stephen Sloan an insurance broker with Insure 247, you may be able to calm your nerves in the event of lost or stolen clients keys  .

"A public liability insurance policy is in place to cover loss or damage to a third parties property or personal injury. So if due to your negligence the keys are lost, the resulting consequential loss would be covered."

"However in the case they are stolen from your car, your car policies public liability may offer you cover"

It is important to compare public liability insurance policies

"It is important to compare public liability insurance policies as some may have limits on property in physical and legal control that will impact your claim

Before making your claim here are details to prepare for your broker or insurer

  • Details of the loss
  • Your policy number
  • A letter of claim from the third party
  • A quote for the repair of the damage to the third party

If you are still unsure about public liability insurance speak to a broker call 1300 046 787 13000 Insure

 

GET YOUR PUBLIC LIABILITY INSURANCE QUOTE CLICK HERE OR

Liability Insurance

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. Please read the Product Disclosure Statement and contact us if you require any clarification.

See Also

WHAT IS GOODS IN PHYSICAL OR LEGAL CONTROL?

 

Is Public Liability Insurance Compulsory in Australia?

Sole Trader To A Company Does my Policy Cover Me?

What Should You Disclose When Applying For Public liability insurance

 

 

 

 

Public Liability Risks Carpenter

Public liability carpenter

If you are a carpenter what are some of the risk you face that might give rise to a public liability claim? Insure 247 uses RiskCoach from LMI group to help carpenters understand the potential risks

Public Liability Risks Carpenters

Public liability risk at the premises is fairly limited for carpentry contractors, as there would be few visitors. For artisans, there is a retail sales component to consider. Work away from premises is the major exposure to consider for carpentry contractors and third parties may be injured by work activities, machinery or falling materials. There is also the third party property damage to consider to property adjacent to the construction site. The responsibility of the carpentry contractor under the sub-contract will need to be established and public liability coverage will normally need to extend to cover on site risks at buildings being serviced.

Product Liability Carpenters

Carpentry contractors face Completed Operations exposures typical to the building trades. Risk exposure may vary depending on the insured's experience, the quality of work, and the quality of employee supervision. The main risks include: The use of lower-quality materials; Not following specifications or building codes; and Defective work. These may result in substantial bodily injury or property damage claims.

If you are still unsure about public liability insurance speak to a broker call 1300 046 787 13000 Insure



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GET YOUR PUBLIC LIABILITY INSURANCE QUOTE CLICK HERE OR CALL OUR TEAM 1300 046 787 13000 INSURE

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. Please read the Product Disclosure Statement and contact us if you require any clarification.

 

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