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You accidentally use outdated food or you burn someone with a hot drink?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