Public Liability

Public Liability Insurance on the Mid North Coast

The Right Level of Cover

Public liability insurance is a crucial part of a business’ risk management policy. As a business owner, you may be held accountable for accidents or damage which occurs during your business activities, or if you unknowingly produce a defective product. This could result in a personal injury or damage claim against your business. At Insurance Advisernet Australia, we can help you make sure you, your staff and your business are protected. We work with business owners in Taree, Armidale, Dungog, Forster, Nelson Bay and Medowie, as well as all throughout the Mid North Coast and Upper Hunter Valley.

While not compulsory, the risks of forgoing public liability insurance are significant and could leave you in a dire financial situation. For example, if a customer, supplier or anyone else involved with your business becomes injured while you are carrying out your business activities, they may take legal action against you. This could result in hefty legal fees, as well costs for the damage or injury caused. To find an insurance solution to suit your business, contact Insurance Advisernet Australia.

What Is Public Liability Insurance?

Whether you work in public spaces or have visitors to your premises, public liability insurance can assist you against potentially costly claims. A comprehensive policy can ensure your business is covered in a wide range of scenarios, including:

Legal costs incurred in the defence or settlement of a claim
Support for others acting on behalf of your business when the incident occurred
Loss or damage of goods in your care custody or control which you do not own
Loss or damage of someone else’s property that occurs while performing your service
Your first-aid expenses at the time of an incident
Costs incurred as a result of injury to others whilst visiting your premises

As with other policies, the level of cover required varies depending on a risk assessment of the business’ activities. A labour heavy industry tends to need greater protection than a quiet office environment. Our insurance advisers can recommend a public liability insurance policy that suits your needs.

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Why Do I Need Public Liability Insurance?

When you interact with the general public as part of business activities, there is always a risk of accidents occurring. Whether a third party slips and falls at your office or a ladder damages a neighbour’s window while you’re out on a job, your business can be held liable for a wide range of personal accidents and damage. That’s why it’s critical to make sure you have comprehensive public liability insurance.

Most business owners will have several kinds of insurance, from business insurance and cyber insurance through to motor vehicle fleet insurance. Our advisers are more than happy to explain the different types of coverage and find a solution for your requirements. We aim to provide exceptional service and help you select a plan that keeps you protected, at a price that suits your business structure.

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Is It a Legal Requirement?

Public liability insurance is not required by law. However, most small to medium-sized business owners take out a policy to ensure peace of mind and protect their interests. It is particularly recommended for businesses that interact with public space, such as construction projects, parks and others.

In the trades industry, some clauses may stipulate that public liability insurance is required; your businesses may be requested to provide proof of insurance. If you’d like to discuss public liability insurance with our advisors, or take out a policy, call (02) 6551 8712 to book an appointment.