Is Public Liability Insurance Compulsory in Australia?
Public Liability Insurance is not required by law
Public Liability Insurance is not required by law in Australia, however, the Australian Government through www.business.gov.au explain "If you own a business, you may be liable for damages or injuries to another person or property. Though liability insurance is optional in most cases, it is strongly recommended for businesses in all industries as the likelihood of being sued is unpredictable and potentially very costly. Public liability insurance protects you and your business against the financial risk of being found liable for negligence. Negligence is causing reasonably foreseeable harm".
It may be compulsory for your occupations license
Public Liability Insurance may be compulsory for your occupations license, such as builders, plumbers and electricians in some states, check with your industries licencing authority in your state.
It may be required to enter a work site or third party premises
You may be asked to show a Public Liability Insurance policy before entering a work site or third party premises including offices. Federal and State government departments, local governments and a hospital will almost certainly request proof of insurance prior to work commencing, and that will not be restricted to trades it can also include consultants and visiting professionals.
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