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What is public liability insurance?

What is public liability insurance?

If clients visit your business or your employees visit client sites you are at risk of a third party claim, that claim may be for personal injury or property damage.

Why do Australian Businesses need the cover?

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 to property or economic loss resulting from your negligence.

https://publicliabilitycomparison.com.au/category/public-liability-insurance-faqs/

What if you are a home based business?

Most home policies will include a liability component, however, this would be void if the third party was visiting your home for your businesses activities.

Is public liability insurance a legal requirement?

Not for all businesses in Australia, but unless you can afford to pay for a multi-million dollar claim, liability cover may be considered an essential item on your business budget. Even the Australian government Liability insurance urge businesses to seek the cover.

Read more about on the Australian Competition and Consumer Commission website.

  • See information about insurance in your state or territory.
  • Compare Public Liability Insurance Quotes from leading Australian Insurers

What is Broadform Liability?

Broadform Liability usually covers both public liability insurance and product liability insurance.

Check with our team when you get a quote to see if you require Broadform Liability.

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 the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

PUBLIC LIABILITY INSURERS USED MAY INCLUDE:

AIG Public Liability Insurance Allianz Public Liability Insurance Quotes   Brooklyn   CGU Public Liability Insurance  Calibre public liability Insurance Hostsure Insurance 

protecsure-logo QBE Public Liability Insurance

sportsUnderwriting Vero Public Liability Insurance  

* Insurers may include Allianz, AIG, Altiora, Ansvar, Arena, CGU, Caibre, CGU, Highstreet Underwriting, QBE, WR Berkley, Sports Underwriting, Vero, Zurich

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Do I need to tell my Public Liability Insurer that I import?

When applying for public liability insurance, why do you they ask if you import?

Steve Sloan from Insure 247 explains that insurers want a good understanding of the risk, prior to offering public liability cover.

In the event of a claim the insurer may choose to sue your supplier if the product causes a financial loss or injury, it is easier for them to recuperate the loss from local supplier.

Why does importing product end up increasing my premium?

Many countries do not have the same quality control as Australia, and importers need to be aware of any local regulations or standards. This is especially in the case of food, supplements and baby products.

What if I don't tell the insurer that i import?

In the event of a claim the insurer can investigate, and any non-disclosure on  your insurance proposal may result in the claim being declined, leaving you out pocket and possibly uninsurable in the future.

How do Insurers rate importers?

For insurance quotes, most insurers will rate importers as a manufacturer. There are some exceptions, New Zealand may not be classed as importing because of uniform standards.

 What countries will see higher public liability premiums

Importing from China, India, United States and Europe may increase your premium.

Steve Sloan has been working with the Insurance industry since 2002.

From a marketing background Steve has overseen some game changing roles in the industry before starting the Insure 247 commercial brokerage.

Steve has Diploma of Insurance Broking and was the founder of Quotesonline, Greatchoice and Publicliabilitycomparison.com.au

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Let's get you covered

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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 Pty Ltd ACN 612944215 an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433.

Please read our FSG 

Your Quotes will come from specialist licensed to act on your behalf to find you a number of options with leading Australian insurers

Insure 247 operates Publiclaibiltycomparison.com.au

 

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

 

Why do I need public liability cover?

What is public liability insurance?

 

Are all Public Liability Insurance policies the same?

 

Insure 247 Top 10 Insurance Brokers in Australia

Insure 247 who owns and operates Publiclaibiltycomparison.com.au has been named in the Top 10 Insurance Brokers in Australia, by Insurance Business Magazine.

CEO Steve Sloan said in reaction to making the Top 10 Brokerages list in 2014

“The Insure 247 team are excited to make the Top 10 Brokerages list. Insure 247 Australia started in September 2012. We knew what we are doing here is unique, but to understand where we fit in the industry is a great motivator”

 

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Public Liability Insurance With A Criminal Record

Can you get public liability insurance with a criminal record?

Each insurer has different policy on offering insurance to businesses, and where the director or sole trader has a criminal record in Australia, it's best to complete a request for Public Liability Insurance and include details of the conviction.

Which Insurers Offer Cover?

Some insurers will offer cover if the conviction was more than 4 years ago.

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.

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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

 

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 Pty Ltd ACN 612944215 an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433.

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