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Businesses in Australia are legally-bound to provide a duty of care to those who interact with your business and its products to ensure they are safe. 

If a customer trips on a slippery surface or gets hurt using one of your products, the business is potentially liable for thousands of dollars in compensation. 

Public liability insurance is designed to protect you in cases where you are found legally liable for 3rd party damages, harm, or loss resulting from negligence in one’s duty of care, as well as the associated legal costs of handling and settling such claims.

The main types of concerns for using Public & Products Liability will tend to include (but are not limited to) coverage for the following issues:

• Compensation for personal injury to a 3rd party (e.g., a customer, visitor, or supplier) on your business premises, such as injury from a slippery floor or falling over unsafe equipment
• Compensation for personal injury to a 3rd party resulting from one of your products or services, inside or outside your business premises
• Loss or damage to a 3rd party’s property

Because every business and its products are different, it’s important to get sound expert advice to ensure you’re adequately protected and not paying too much for things you don’t need. 

You should only be using insurance options that actually cover your business interests, rather than a general business insurance solution that may not give you adequate protection.

We are here to answer your questions and are happy to sit down with you to understand your needs in depth so that we can provide tailored solutions to meet your unique business needs.