Public Liability Insurance Compared

HIGH STREET UNDERWRITING PUBLIC LIABILITY INSURANCE

High Street Underwriting Public Liability Insurance

With Publicliabilitycomparison.com you can get a High Street Underwriting public liability insurance quote online and compare to other Australian insurers.

High Street Underwriting Public Liability InsuranceHigh Street Underwriting Agency Pty Ltd (High Street) is a wholly owned Australian Company and holds an Australian Financial Services Licence to deal in General Insurance Products. High Street can provide Public Liability Insurance Products, Professional Indemnity Insurance, Contractors’ Plant and equipment and Contractors All Risks.

High Street Underwriting Agency offer Public Liability Insurance for the following occupations

  • 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 about a quote from High Street

High Street Underwriting Agency Public 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.

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Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
 
Your portable business equipment - such as tools for a tradie.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Protects premises from covered events such as theft, fire,  or natural disasters.





Loss of business income and increased expenses following a Fire & Perils loss
The maximum amount covered for the loss of a business's gross profit due to an interruption caused by an insured event.
The specified time frame during which a policy provides coverage for losses following an insured event.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.





Theft of property following forcible/violent entry to the premises

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
Coverage that protects against the loss or damage of perishable goods, such as food or pharmaceuticals, due to breakdown or failure of refrigeration or cooling systems.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


Can protect a business and its assets from financial loss due to unexpected
events, accidents, or liabilities that occur to goods whilst in transit.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect businesses against financial loss due to damage
or liability resulting from the use of commercial vehicles.
Vehicle Details
Cover Type


The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


About the Vehicle












Insurance Specialty Covers - this applies to some businesses.

Some businesses require additional Insurance coverage. Please indicate below if you would like to know more information on any of these specialty Insurance Products.
Cover for Mobile Plant and Machinery and liability from their use
Machinery Details
Cover Type

* Agreed value option requires a licensed valuers written assessment of value of Machine

Sum Insured should be the Market Value of the machine and include the value of attachments and accessories or separately list and declare.
About the Machine/Equipment





Use of Machine/Equipment

Are any of your machines used or expected to be used:

Yes No



Can help mitigate financial losses resulting from cyber attacks,
data breaches, and other cyber-related risks.
Protects businesses and professionals from
loss due to professional negligence.
Protects businesses and managers for
employment actions, statutory obligations + others.
Can protect a business from financial losses due to
customers' inability to pay for goods or services on credit terms.
Costs of recalling/replacing products incl expert advice and brand management.
Protects builders/contractors from losses due to construction damage.
Protects businesses from from unexpected financial
losses whist employees are travelling.
Aircraft and/or liability associated with aircraft, airports or hangers
Commercial vessels and liability
Liability whilst repairing or working on vessels
Loss of income and expenses due to weather/non-appearance of performers
Legal expenses to defend patent, trademark or copyright
Protection for people who are injured whilst doing voluntary work
Your liability for injury to employees
Loss of income if you are unable to work following illness or injury
Personal Accident Required Information

Personal Accident provides cover for accidents only. Personal Accident & Sickness will include Sickness also. Please note this does not extend to any pre-existing conditions.



Receive payments monthly or annually at claim time.

Period between when the claim occurs and when you will begin to receive payment.

In the event of a claim, how long will you receive payment.


Amount per week you would like to receive in the event of a claim. (Must be a true reflection of your earnings)

The lump sum that a policy can pay you if you suffer a permanent injury that leaves you unable to work. This is an additional payment to your weekly sum insured.


Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.


Disclosure Questions

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Claim Details





 
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Publicliabilitycomparison.com.au by Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433. 
General Advice Warning: Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs. 

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