Public & Product Liability Insurance

FAQs

What isn't covered in a Public Liability policy?

Depending on the policy, coverage exclusions will be detailed in the PDS, policy wording and schedule. Typically, exclusions would include deliberate acts of wrong doing by you, criminal acts, personal injury or owned property damage. It’s important to discuss the exclusions of the policy with your insurance broker before making your decision.

Who needs Public Liability insurance?

No mater your business operations, accidents happen. If you have any form of business interaction with any third party or sell any form of product, Public Liability is essential to help cover potentially costly legal fees and compensation. In some occupations, such as trades or hospitality, it can be mandatory insurance to be able to legally operate.

How do I know which policy is right for me?

It can be tempting to find the cheapest cover available, however not all policies are the same and having the right cover in place will depend on the industry you work in and the type of business or occupation. Talking with an insurance broker can give you the expert advice needed to get the right cover, suited to your needs.

Will I pay more to use an insurance broker?

Insurance brokers are qualified professionals who can accurately asses your risks and make recommendations on insurance cover. Although there can be fees for the service, a brokers knowledge of the industry and ability to search the market for you, will not necessarily cost you extra, but could save you money and provide more suitable cover for your particular circumstances.