LIABILITY
Public Liability Insurance
For businesses whose work could cause injury to another person or damage to property they do not own.
OVERVIEW
Liability can follow ordinary work
Public Liability Insurance is relevant where customers, members of the public, contractors or other third parties could be injured, or their property damaged, because of your business activities.
That exposure can arise at your premises, at a customer’s site, while carrying out a trade, during an event or through other day-to-day operations. The cover is widely relevant across construction, retail, hospitality, service businesses and many other occupations.
Policy response always depends on the wording, terms, limits and exclusions, so the starting point is understanding exactly what the business does.
THE RISK
Where you work matters as much as what you do
Insurers commonly want to understand your occupation, turnover, locations, work away from your premises, subcontracting, use of heat or hazardous processes, height and depth exposure, previous claims and the types of third parties you work around.
If you manufacture, import, distribute, install or sell products, Products Liability should usually be considered separately as part of the overall liability picture.
Understand more. Or begin.
Read the Australian Public Liability guide, or start your proposal when you are ready to tell us about the risk.
Australian insurance context
For Australian organisations, Public Liability Insurance should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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