Compare public liability insurance cover options for Contractors working on mine sites. Liability cover up to $20m limit options, Statutory Liability, Commercial Legal Expenses and Driving Risk can be included.
Mining Contractors Covered
Air leg Miner, Mineral Exploration, Auto Electrician, Mobile Plant Operators, Boilermaker / Welder, Operation of Continuous Miner, Dewatering Contractors, Plant and Machinery Maintenance, Dragline Operator, Project Manager, Drilling Contractor Rock, Bolter, Electrician Roof Bolting, Longwall Support Shaft Sinkers, Mechanic / Diesel, Fitter Tenement Liability, Mine Relining Services
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5 ways to ensure your business does not stumble trip and fall
Trip and fall, it can all happen so quickly – a customer catches their foot on a chair leg, or slips when coming in from the rain – but your business is left dealing with the legal and financial fallout for months.
Whether you have a restaurant, a shop, an office or work from home – if a customer is on your premises, generally you’re responsible for their safety.
A trip here or a fall there could mean a claim is headed your way. Here are five steps to minimise the impact it can have on your business.
1. Make your site safe
SafeWork Australia and all of the state and territory authorities have reams of information and guidance on identifying hazards, as well as assessing and controlling risk.
But the unfortunate reality is that insurance claims relating to slips and trips are still very common, says Steadfast Broker Technical Manager Michael White.
“Every business has an exposure to them, even home businesses,” he says.
“But obviously some businesses have a greater exposure than others – shopping centres, hotels or anywhere else there's a lot of people going through, and any business where there are food stuffs that might be spilled on the floor.”
2. Record your actions
Whether you take steps to eliminate a hazard, isolate it, or put engineering or administrative controls in place, record what you've done to prevent a slip or trip occurring. This should include keeping regular cleaning logs.
“The trouble with a lot of slip and trip insurance claims is that if somebody says 'I fell over on a piece of banana skin that somebody dropped on the floor', there is generally no record of the banana skin actually existing,” White says.
“Which means there is no record that the banana skin hadn’t been sitting on the floor for a week. So your records should be able to prove you have a strict regime in place to manage risks.”
3. Approach the potential claimant
If someone does take a fall on your premises and is not seriously injured, it can pay to be proactive.
“A lot of businesses will speak to a potential claimant who’s had a minor incident and say 'we will pay your medical expenses' or 'we'll give you a $100 gift voucher', or take some other step to assuage their feelings,” White says.
4. Record the incident
You may be legally required to record and report an incident on your premises. To find out what your obligations are, consult your local workplace health and safety authority.
Regardless of your legal obligations, it's wise to keep your own records of any incident. At a minimum, include the name, address and age of the injured person, as well as the time, date, nature and cause of the injury.
5. Insure against costs
The reality is, slips and trips are common and the consequences can be significant.
“There are two issues – there's the compensation and the legal costs of defence,” White says.
“And there can be a very large amount of money involved in both.”
Having an appropriate public liability insurance policy in place can help your business meet these costs.
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
Things to consider before buying public liability insurance
Liability insurance is likely to be one of the first purchases that your new business is likely to take out. Although it's not compulsory it is needed to protect your business against claims made by a third party for loss or damage caused by you or your staff.
Before you purchase public liability insurance, it's worth looking at a few things that you should take into consideration. Steve Sloan an insurance broker with Insure 247, explains what to look for before you make your purchase.
Level of Cover
First, you need to choose your limit of cover. The cover is generally offered at either 5,10 or 20 million dollars.
If you're covering a contract ask the vendor what limit they require, if you're dealing with state or federal government that's likely to be a 20 million dollar starting point.
When looking at the cover offered by insurers it's important to look at the insurer's financial strength, claims ratings and whether they are an Australian based insurer.
According to Sloan "Not all policies are the same, and some insurers may even offer different covers through different channels. It's important to check any exclusions under the policy especially if they would have an effect on you or your occupation. Insurers are obliged by law to advise you of any variations to this standard contract, that contract will be based on the product disclosure statement (pds for short)"
An insurance policy proves it's value at the time of the claim, that's why prior to making a purchase you should look at the insurance claims rating. Publicliabilitycomparison.com.au uses claimsrating.com by LMI, they look at each insurers Speed, Proactiveness, Accuracy, and Fairness in the claim process.
Any business must be aware of its cash flow requirements, according to Sloan "Some public liability insurers will offer policies that are very similar in features and cover, however still be wildly different prices", he urges consumers to "Don't let price be your guide, let value and cover decide your choice"
Buy the right policy for you
If you don't feel comfortable making those comparisons or have any questions pertaining to your risk you should discuss it with a broker.
PUBLIC AND PRODUCTS LIABILITY INSURANCE 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
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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
