Public Liability

One of the most important insurance types any business can have, Public Liability Insurance protects your business from the financial risk of liability claims – helping you trade with confidence.

If an accident or unforeseeable incident causes damage or injury to someone on your business premises, other than your employees, you can be liable for the costs. In today’s litigious society, such costs can run into the millions of dollars.

Do I need Public Liability Insurance?

The cost of obtaining and maintaining a Public Liability Insurance policy is minuscule compared to the massive compensation bills that can occur if you’re not adequately insured. If you’re running a business, organising a one-off event or own a shop, then Public Liability Insurance is something you can’t afford to be without.

What can Public Liability Insurance cover?

Public Liability Insurance helps protect your legal liability to third parties, including clients, customers, and the public for injury or damage to their property, caused by the business. It can even cover emotional distress or shock that your business causes another person. It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found liable to pay, including ongoing disability payment costs.

Other things to consider

Your premiums will depend on the type of business you run, your turnover, and the number of employees you have. The team at Insurance Advisory Service have the experience and expertise to help you figure out exactly what level of cover and inclusions you need.