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Public Liability Insurance

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Public Liability Insurance Risks

If damage or an accident occurs while you’re providing a service, a third party can sue your business. Get coverage through Ian Jones Insurance Brokers.

What is a Public Liability Insurance Risk?

As a business owner you are accountable to third parties that come into contact with your business (customers, employees, suppliers, etc.). If damage or an accident occurs while you’re providing a service, a third party can sue your business, which can result in costly legal fees as well as the obligation to pay for the damage or injury you may have caused.

 

These costs are often devastating for businesses, which is why Public Liability Insurance exists to help protect you in the event of an incident. Whilst many businesses ensure that all due care and responsibility is granted, accidents do happen. Even where the incident is not the fault of the business, they may be dragged into a claim due to association of interests (e.g. A contractor causes a loss or injury so the blame is levelled at you as the principal) where you need to defend yourself in the courts.
Public Liability is an insurance class that has been known under different terms such as general liability, Broadform liability, legal liability and products liability, to name a few.

 

When tailored to suit a business, public liability will cover areas such as import liability (if a product is imported by the insured directly from another country, then that business may find itself to be the ‘deemed manufacturer’ of that product and any claim may be bought about under the laws of that State or Territory or Commonwealth). It can also be extended to cover exporting of goods, goods sold, pollution liability, statutory liability, goods in the insured’s care, custody or control among other extensions where necessary.

 

The current sum insured trend for sums insured under a liability policy stands at $10 million although $20 million is becoming common and preferred by many large national and multi national companies. $50 million or even $100 Million cover may also be warranted by some.

 

IMPORTANT – If your business requires that you sign contracts before undertaking any work, you must advise our office immediately (prior to signing) as there may be clauses that mean you may sign away any rights in relation to insurance. In short, this may mean that you are signing away the insurers rights and therefore any claim may be rejected.

What our clients say

  • “An ongoing relationship”

    We have had an ongoing relationship with Ian Jones Insurance for some years now. The reason we continue to do business with the company is because we are impressed with the high service level, the speed at which the quotes are produced, the competitive pricing and the assistance that is provided. Our current account executive, Amy Thompson, embodies all of these qualities and is a joy to deal with on every occasion

    Annette and Andrew Metcalf

  • “Pleasant & professional”

    Just a quick note to say how much I appreciated the attention to my insurance renewal by your employee at Raymond Terrace office, Kai Cameron. It was only a matter of hours before he got back to me with a better price for my house and contents insurance which I was pleased to accept. I just wanted to tell you that I found Kai to be a very pleasant and professional, a credit to your office.

    Andrea Waddell

  • “Easy to understand terms”

    It’s great to have someone providing insurance product information with great knowledge….even better when they can spell it out to you in easy to understand terms

    Brad Jones, Director, Admix Media.

  • “A natural part of our business”

    I have had a relationship with Ian Jones Insurance for many years now. They feel like a natural part of our business to be involved with

    Mez Sheehan, Managing Director, MPM Group of Companies

  • “Strongly recommended”

    It's refreshing to see someone who takes a great deal of interest in our business to ensure that they get the complete picture of what we do. Ian Jones Insurance Brokers seem to go that extra mile to make sure that we know what we have and how it needs to be protected. We would strongly recommend dealing with Ian Jones Insurance

    Josh Ferris, Director, Ferris Building Pty Ltd

  • “We would never change Insurance Companies.”

    Many thanks Kai. As always, I really appreciate your quick response and assistance with anything to do with our Insurance. For that reason alone, we would never change Insurance Companies.

    Eileen McIntosh, Coastal Flooring Xtra

  • “Professional service and quality advice”

    Over the past 17 years Ian Jones Insurance Brokers has provided us with a variety of business, motor vehicle and home insurance policies. Ian and his staff have always provided professional service and quality advice as to the most suitable policy and options relating to our needs. On the occasions when we have needed to make a claim, the service has been prompt with regular follow ups to ensure the process was moving smoothly. I have recommended Ian Jones Insurance Brokers to friends and business colleagues with full confidence and have always heard nothing but great responses from anyone who has utilised Ian and his staff for the provision of insurance services.

    Geoff Grimley, Business Principal, Rapport IT Solutions

  • “Courteous, friendly and professional”

    Every time we need to call and get some insurance advice or assistance, we get the answer to what we need to know, efficiently and in a courteous, friendly and professional manner. That's why we have insured our business and other assets with Ian Jones Insurance Brokers for the past 10 years

    Craig Young, Director, Windsor Products Pty Ltd

Personal & Professional. Put us to the test!

Insuring businesses and professionals in Newcastle and across Australia since 1984.