Underwriting Agencies and Insurers Now Covering More Public Liability Risks

 

Traditionally insurers like to stick to relatively low risk occupations when it comes time to insuring business public liability risks.  Insurance brokers describe this as hard to place risks, often these risk would be placed with Underwriting Agencies

What is an underwriting agency?

An agency given underwriting and policy writing authority by an insurer. This authority actually allows an agent to price and issue the physical policy to the insured. In return for this additional administrative work, the agency normally receives increased commissions from the insurer involved.*

Australian Underwriting Agencies

Australian Underwriting Agencies

A number of Australian underwriters have added some high risk occupations;

Axis Underwriting has added Earthmoving contractors, Electric scooter and Segway importers and distributors, Critical auto parts and Food truck operators to it's acceptable risks.

Recently Underwritten by High Street Underwriting include Builder (No Height Restriction), Church Activities, Live Linesman, RTO - Height Training etc, Safe Lock Abseiling Systems and Swimming Pool Builder.

Is My Occupation High Risk?

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

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Which Underwriting Agencies does Public Liability Comparison use?

    axis-underwriting1   Brooklyn       logo-emergence  High Street Public & Products Liability InsuranceHostsure logo-mecon Protecsure public liability sportsUnderwriting logo-winsure

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

 

Source * www.irmi.com

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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Public Liability Risk Recently Compared

What Should You Disclose When Applying For Public liability insurance

 

Public Liability Insurers Claims Ratings

Public liability insurers claims ratings

Public Liability Insurers Claims Ratings

Public Liability Insurers Claims Ratings by LMI.

How does your Insurer compare?

LMI ClaimsComparison have relied upon a range of data to rate the claims service of each of the listed Australian Public Liability Insurers Claims Ratings

PUBLIC LIABILITY INSURERS CLAIMS RATINGS Claims Rating Claim Contact Details
AIG Australia

AIG Public Liability Insurance Claim Comparison

starstarstarstar 03 9522 4000
Allianz

Allianz Public Liability Insurance

starstarstarstar-half 13 26 64
Brooklyn Underwriting

Brooklyn

starstarstarstar-half 02 8274 8177
Calibre

Calibre Public Liability Insurance

starstarstarstar 1300 880 037
CGU Insurance Limited

CGU Public Liability Insurance

starstarstarstar-half 13 24 81
Chubb

Chubb liability insurance

starstarstarstar (02) 9273 0100
QBE

QBE Public Liability Insurance

starstarstarstar  133 723
Vero

Vero Public Liability Insurance

starstarstarstar-half  1300 888 073
Zurich

zurich-public-liability

starstarstarstar-half  132 687

 

Source: www.claimscomparison.com

To see how we rate, please visit www.claimscomparison.com/HowWeRate.aspx

Last updated: 16th July 2016

PUBLIC AND PRODUCTS LIABILITY INSURANCE COMPARED

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Public Liability Compared

 

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.

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

Electricians

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PUBLIC LIABILITY INSURANCE FOR Electricians

Electricians Public Liability Insurance

Do Electricians need Public Liability Insurance?

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Yes, electricians in Australia typically need public liability insurance. Public liability insurance provides coverage for any third-party claims for property damage, personal injury, or other losses that may arise as a result of the electrician’s work. This type of insurance is important for electricians, as they work with potentially hazardous electrical systems and equipment that could cause harm or damage if not properly installed or maintained.


In addition, many Australian states and territories require electricians to have public liability insurance in order to obtain or maintain their electrical contractor license. Even if it’s not required by law, having public liability insurance is still a wise investment for electricians to protect themselves and their businesses from unexpected and potentially costly claims.

We make it easy to get a Public Liability quote, get started below.

Why do Electricians need Public Liability insurance?

Here are five reasons why electricians need public liability insurance in Australia:

1.Protection against third-party claims: Public liability insurance provides coverage for any third-party claims for property damage, personal injury, or other losses that may arise as a result of an electrician’s work. This is important because electricians work with potentially hazardous electrical systems and equipment that could cause harm or damage to property.

2. Legal compliance: Many Australian states and territories require electricians to have public liability insurance in order to obtain or maintain their electrical contractor license. Failing to comply with this requirement could result in fines or other penalties.

3. Peace of mind: Having public liability insurance can give electricians peace of mind knowing that they are protected in the event of an unexpected claim. This can allow them to focus on their work without worrying about the financial impact of a potential claim.

4. Protection of business assets: If an electrician is held liable for damages or losses as a result of their work, they may be required to pay compensation or legal costs. Without public liability insurance, this could result in the loss of business assets or even bankruptcy.

5. Competitive advantage: Having public liability insurance can be a competitive advantage for electricians when bidding for jobs. Many customers and businesses require proof of insurance before hiring an electrician, so having public liability insurance can help electricians win more contracts and grow their business.

Compare electricians public liability quotes

electricians PUBLIC liability Insurers compared

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Public Liability Comparison helps Electricians find cheaper public liability quotes by comparing Australia’s top insurers. Compare quotes for Electricians in NSW & Sydney, SA & Adelaide, ACT & Canberra WA & Perth, Melbourne & Vic and throughout rural Australia.

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Please select... I know what insurance I need A full Insurance review by an Insurance Broker Please call me to discuss
 


Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
Please select... $10 Million $20 Million $50 Million
 
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.
Please select... Yes No

Protects premises from covered events such as theft, fire,  or natural disasters.
Please select... Not sure Brick Concrete Aluminium Iron/Steel Steel on a Steel Frame Steel on a Timber Frame Tile Fibro/Asbestos Fibro Glass Timber Canvas Other
Please select... Not sure Timber Concrete Other
Please select... Not sure Concrete Tile Asbestos Fibro/Asbestos Iron/Steel Fibro Glass Timber Other
Please select... Yes No
Please select... 0% Less than 15% Less than 30% More than 30%

Please select... Yes No

Please select... Yes No



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.
Please select... 12 months 18 months 24 months I'm not sureThe 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.
Please select... Yes No
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.
Please select... Yes NoCoverage 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

Please select... Market Value Agreed Value

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

Please select... Yes No

Please select... Yes No
About the Vehicle






Please select... Yes No



Please select... Yes No


Please select... Yes No

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

Please select... Market Value Agreed Value* 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


Please select... 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

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



Please select... Monthly AnnuallyReceive payments monthly or annually at claim time.

Please select... 7 Days 14 Days 21 Days 28 DaysPeriod between when the claim occurs and when you will begin to receive payment.

Please select... 52 Weeks 104 WeeksIn 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.

Please select... Yes No

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

If you answer 'Yes' to any of the questions, please enter full details below. 
Yes No


Please select... Yes No
Claim Details

Please select... 2024 2023 2022 2021 2020 2019



Please select... Advertising - Sponsorship Advertising (Newspaper, Billboard, Bus, Signage) Business Referral Google Social Media Word of Mouth Other

 
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Why public Liability Comparison

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  • We’re real people, in Australia that provide you with only reputable public liability quotes that you can rely on.

  • We do the hard work for electricians by comparing public liability quotes from multiple insurers for their insurance.

  • We manage the entire claim. We work for you, not the insurer – to get you the outcome you deserve.

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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. 

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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1300-Insure

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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