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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

  • “Outstanding”

    What a pleasure to be able to comment on the outstanding difference your company has made to the management of the rather complex insurance portfolio I presented. I was shocked to find after your initial review that I had been paying some insurances for years that would never have been paid out should I have a claim and this included a house in a bushfire zone. The courteous interactions with your professional staff are always helpful, and even enjoyable. Thank you

    Prof. Robert Clancy, AM

  • “We saved a lot of money”

    We were delighted with the service we got from Kai at FloorInsure Insurance. Not only was everything dealt with promptly and efficiently but we saved a lot of money as well. We would recommend them to anyone and look forward to a long association with this company

    Eileen McIntosh, Chaz Floors and Blinds

  • “Fantastic to deal with”

    They’re fantastic to deal with. We would always recommend that other businesses give them a go because they make insurance easy

    Brett Young, Director, Miraclereach Pty Ltd

  • “Cover your Assets”

    You don't usually give a great deal of thought about insurances that you have until the worst happens, then it's all you think about. The advice we get from Ian Jones Insurance Brokers makes it obvious that they have done the thinking for us. They have enabled us to recover from losses over the years that bring comfort in knowing that they have done what their catch phrase states - Cover your Assets

    Sam Miranda, Sam Miranda of King Valley Pty Ltd

  • “Highly recommended”

    We have used the services of Ian Jones Insurance Brokers for over 14 years now and have found the overall service and professionalism to be of a 1st class standard. The most important aspect we found was the speed and efficiency of claims handling and management. Highly recommended

    Prof. Tim Roberts

  • “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

  • “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

  • “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

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