Lost your client keys? Your Public Liability Policy may cover you
If your business involves you having keys to clients premises, your at risk of a third party property claim in the event that you lose those keys.
Imagine the horror of not be able to find the keys, what if they were stolen and the thieves use it to strip out your clients property, are you liable?
Am I covered?
What if your clients keys are used by you and 100 other people, will you be liable for the replacement cost of all the keys?
What if they are stolen from you car, will your businesses public liability policy cover the resulting loss?
According to Stephen Sloan an insurance broker with Insure 247, you may be able to calm your nerves in the event of lost or stolen clients keys .
"A public liability insurance policy is in place to cover loss or damage to a third parties property or personal injury. So if due to your negligence the keys are lost, the resulting consequential loss would be covered."
"However in the case they are stolen from your car, your car policies public liability may offer you cover"
It is important to compare public liability insurance policies
"It is important to compare public liability insurance policies as some may have limits on property in physical and legal control that will impact your claim
Before making your claim here are details to prepare for your broker or insurer
- Details of the loss
- Your policy number
- A letter of claim from the third party
- A quote for the repair of the damage to the third party
If you are still unsure about public liability insurance speak to a broker call 1300 046 787 13000 Insure
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