Why do I need public liability cover?

Why do I need public liability cover?

You in business but your wondering Why do I need public liability? Whenever your business comes into contact with the public you are at risk of a public liability claim.

Broadform Liability 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.

Do You Visit Your Clients?

Even a visit by you or your employees to a clients office has a liability risk, something as simple as a laptop bag left in the wrong place.

Perhaps you are a tradie and you fire your nail gun through the wall taking out the power supply to the building.

Do Clients Visit You?

A courier dropping off a package, trips over equipment injuring them. Or you a hairdresser and you forget your client under the hair dryer.

Do you supply food or drink?

You accidentally use outdated food or you burn someone with a hot drink?

Do you sell a product?

What if the product you sell causes an injury without product liability cover you wont be covered.

Do I need Liability Cover

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.

https://publicliabilitycomparison.com.au/compare-public-liability-insurance-quotes-for-accountants/

Does Public Liability Insurance Cover Business Car Accidents?

What is public liability insurance?

 

What insurers offer public liability insurance for consultants

Insurance For Consultants

Consultants need to consider their risk and the risk to the public, for insistence if they work from home and deal with their clients remotely this will reduce the risk but may have no bearing on the premium.

Claims by Insure 247 clients for consultants have included property damage where the insured knock equipment off a client's desk.

Current publicliabilitycomparison.com.au offers public liability insurance quotes for consultants through  AIG, Allianz, Calibre, CGU, Dual, Vero and Zurich

Consultants Insurance Cost

Public liability insurance cover of $5 million based on  turnover of less than $100,000 per year, starts at $350 per year*

What Limit Of Liability Do I Require?

When you start to look for Public Liability Insurance, one of the first questions you must decide is what limit of liability do you require?

What is Limit of liability?

Insurers will offer limits of liability starting at $5 million, and can go up to $50 million.This is the insurer's maximum payout in the event of a claim

Steve Sloan a broker with Insure 247, explains;

You should consider your clients when choosing a limit of liability

If you deal with the public, then $5 million would cover most claim situations.

If you deal with other businesses (B2B) then $10 million may be required.

If you deal with local government, state or federal government, airports or ports then $20 million is probably going to be the minimum requirement.



 

Consultants Insurance

GET YOUR PUBLIC LIABILITY INSURANCE QUOTE CLICK HERE OR

Liability Insurance

Public Liability Compared

*Not all insurers will offer quotes for all risks.

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

https://publicliabilitycomparison.com.au/public-liability-insurance-retailers/

What Limit Of Liability Do I Require?