Products

Public Liability

What is Public Liability Insurance?

‍Public Liability Insurance and Products Liability Insurance covers your Queensland business against legal costs and compensation payments resulting from injuries or property damage to your clients, contractors or members of the public which was caused by you or one of your employees. If you are a manufacturer or distributor of a product you may also be liable for the failure of those products that you sell under the Trade Practices Act.

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Who needs Public Liability Insurance?

‍If you own a business, you may be liable for damage or injury to another person or property. Even though liability insurance is optional in most cases, it is strongly recommended for businesses in all industries as the likelihood of being sued for negligence is unpredictable and potentially very costly.

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What does Public Liability Insurance cover?

‍Public Liability Insurance would cover the compensation payment plus any legal expenses. Even when you do everything right there is always the chance of an unfortunate accident happening. You may need public and/or products liability for the following reasons:

Even if you don’t have visitors to your office or home, you could still suffer a public liability claim against your business; for example, if you accidentally damage a client’s property in their office
‘No win, No fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a public liability claim due to easier access to the necessary legal services
Anyone working for you could trigger a public liability claim against your business if their actions at work injure a client or member of the public
Many companies and organisations will also insist on their suppliers having public liability insurance cover in place, to protect themselves.

Public Liability Insurance Risk Assessment Advice

‍A good way of assessing a product or public liability risk systematically is to consider the following general risks for each business location, but also consider any additional risks particular to the business in question:

Risks at the premises
Adjacent risks and common areas
Visitors to the premises including car parks
Third party property on or in the vicinity (including Goods in Care, Custody and Control)
Hazardous goods, pollution and environmental risks
Use of sub-contractors
Unregistered vehicles
Risks away from the premises
Collection and delivery of goods
Installation and other work away from the premises
Completed operations cover (liability arising out of work completed by the insured after that work has been handed over).

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Public Liability Insurance Brokers

Our Brisbane Insurance Brokers can help you get the right insurance cover by assessing your specific needs and recommending the most appropriate insurance solution for your business, whilst still maintaining the highest standard of cover. We offer risk management services as part of our insurance broking practices, allowing us to review risks specific to your business and find you the public liability insurance cover that is most suitable to you.

‍Contact us today to get a Public Liability Insurance Quote.

Information Source

https://www.lmigroup.com/RiskCoach/GeneralInfo.aspx

https://www.pscconnect.com.au/business-insurance-products/public-liability-insurance/

http://understandinsurance.com.au/types-of-insurance/liability-insurance

Open For YouComplete the below to obtain multiple quotes, qualified advice and recommendations.

Surround yourself with professionals who make your life easier, when you call through to us – this is our objective.

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General contents with set limits	Limit	Option to increase limits?
Jewellery, or items containing gold or silver	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Watches (except smart watches)	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Cameras and photographic equipment and accessories	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Collections or sets, like stamps, memorabilia, documents, medals or coins	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Pictures, paintings, works of art	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Antiques or Oriental rugs	up to $10,000 for each item, set or collection, up to 25% of the unspecified contents sum insured in total, unless items have been specified
Commercially recorded or downloaded media content, including audio, video, phone or tablet applications and games	$2,000 in total
Spare parts or accessories (excluding keys) which are not fitted or being used for the following: motor vehicles farm vehicles caravans and trailers watercraft aircraft	$4,000 in total
Money, cheques, and other negotiable instruments	$2,000 in total
Contents intended to be kept outside, like Your barbeque, outdoor furniture and children’s play equipment.	$10,000 in total
Contents in a locked storage cage in the basement of a strata title development at the insured address	$5,000 in total
Laptops, tablets, mobile phones, portable computers and their accessories (see optional Listed Portable Contents cover on page 48 for ways to increase limits on these items)	$3,500 per item
Smart watches and other wearable technology	$1,500 per item
Drones and other remotely or autonomously piloted aircraft (covered only when not in use and not used for business).	$1,500 per item

Contents used for business
Specific equipment used for business, trade, or professional purposes, including: computers, hardware and software tools or musical instruments photographic equipment	up to $10,000 in total
Stock for business, trade or professional purposes.	$5,000 total

Befor Pty Ltd ABN 94 672 803 646 | CAR 1309635 trading as Hunter Broking is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs.

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, www.niba.com.au

Public Liability

Products

What is Public Liability Insurance?

Who needs Public Liability Insurance?

What does Public Liability Insurance cover?

Public Liability Insurance Risk Assessment Advice

Public Liability Insurance Brokers

Information Source

Open For YouComplete the below to obtain multiple quotes, qualified advice and recommendations.

Surround yourself with professionals who make your life easier, when you call through to us – this is our objective.

Request a Quote

General contents with set limits

Alex McDonald

Megan Aitchison

John Wilson

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