Why Are Public Liability Premiums Increasing?

Are Public Liability Premiums Increasing?

According to Steve Sloan from Publicliabilitycomparison.com.au public liability premiums are increasing, and here’s why.

Insurers Hardening Market

“Insurers have been through a cycle of lower premiums that have reduced the returns to their shareholders. They are now in the position where they need to raise the premiums to improve the situations. Lower premiums coming to an end

Many public liability insurers that last year were offering lower premiums to get new policy holders are raising the premium on renewal

More excess in the event of a claim

Others are raising the standard excess in the event of claim, most have gone from the first $400 to $500, making claimants think twice about claiming in the event of small third party property losses.

Stamp Duties

Most states use insurance stamp duty to balance their budget. NSW in particular removed stamp duty only to reinstate in a move that left consumers and insurers confused and out of pocket, as NSW controls so much of the insurance pool, the administration costs of the changes were reflected in premiums across the country.

Insurers mergers and acquisitions

Some of the insurers that’s offer public liability insurance for tradies and small business have gone through some ownership and management changes. This includes brands like Calibre, Vero and Zurich.”

Steve Sloan recommends getting a comparison every time your policy is due for renewal. “Let the market cycles help you get the best premium, but check with your broker to make sure the policy wording and inclusions are the same or better than your existing cover.”

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

What Is Limit of Indemnity?

 

What Is "Limit of Indemnity"?

In your public liability insurance policy it will refer to an Indemnity Period, what does it mean? What do you need to look for?

Public liability insurance protects individuals, businesses and organisations against the financial risk of being found liable to a third party for death or injury, loss or damage of property or purely economic loss resulting from negligence by the insured.

In the Event of Claim

In the event of a successful claim your business is legally liable to pay as compensation for Personal Injury and/or Property Damage occurring within the Territorial Limits as a result of an Occurrence in connection with Your Business up to the Limit of Indemnity, generally 5, 10 or 20 Million dollars.

Limit of Indemnity

“Limit of Indemnity” means the amount(s) stated in the Schedule as the Limit of indemnity or any lesser limit shown in the Schedule of your insurance document. The Limit of Indemnity is inclusive of and not additional to any applicable Excess

 

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

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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

Public Liability Insurance Does My Business Need It?

Sole Trader To A Company Does my Policy Cover Me?

Slippery When Wet $650000 Fine

 

 

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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.

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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. 

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

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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. Please read the Product Disclosure Statement and contact us if you require any clarification.

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Does Public Liability Insurance Cover Business Car Accidents?

What is public liability insurance?