Public liability helps cover you for third party property damage and personal injury for which you are found legally liable.¹ For example, if there is a spillage at your business premises and you haven’t yet cleaned it up, and someone slips injuring themselves, the individual who has been injured can make a claim against your business for the injury. In this circumstance, your public liability policy may respond to such an event subject to the policy terms and conditions.

Professional Indemnity insurance can help protect your business against claims made by third parties arising from your negligence and/or act, error or ommission in the peformance of your professional services. Public Liability insurance, as indicated above, helps cover the costs associated with a third party’s claim for personal injury or property damage or due to products that are sold or supplied through your business for which you are found legally liable. 

Professional Indemnity insurance is a mandatory requirement for some professions in Australia, including some registered professions or as part of a professional membership. The level of PI insurance required can vary by profession where required. Even if PI insurance is not mandatory for your profession, your clients may require it. Before some clients hire you, they may want to see proof of your PI insurance. This can help assure them that your business has access to additional protection to deal with a worst-case scenario.

I am considering a Business Insurance package, what can I be covered for under this?
Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is available for damage to business premises and/or equipment caused by fire, storm, theft and other insured events. You can also take out cover for money (if you keep cash on premises), portable contents such as mobile phones and laptops, and public liability.¹

What is Business Interruption and what would it cover me for?
Business interruption includes protection for lost revenue in the event your business is unable to operate as usual due to an insured peril, which are unforeseen and catastrophic  events that cause loss or damage to property such as storms, floods and similar events. Insured perils will normally be listed in the policy documentation and can differ between products and insurers.^1​

What do I do if I have a claim?
You will find details of how to make a claim in the policy wording you receive from us. If   you need to make a claim, please call Aon on 1800 318 055 or contact us here and we’ll provide you with a claim form to start the claims process. We’ll also work closely with you throughout the claims process and assist you to help achieve a settlement of your claim as efficiently as possible.

If I need a certificate of currency, how can I obtain this?
We can certainly assist with this once you’ve taken out a policy. Simply call Aon on 1800 318 055 or contact us here. 

I’m expanding my business and not sure if I need to update my insurance program, who can I speak to?
We can certainly update your insurance program. Contact Aon on 1800 318 055 or contact us here and we can assist you with arranging cover for your newly expanded business.

What’s the excess and when do I pay this?
Excess is the amount you must pay if you make a claim on your policy. When you make a claim, the insurer will either deduct the applicable excesses from the amount paid to you or direct you to pay the excess to the insurer, or to the appointed repairer. Please refer to your policy wording for further information.

Is flood cover available in the policy arranged through Aon?
You can request cover for flood at an additional cost depending on your location. Flood liability can cover you for expenses arising from damage resulting from floods.¹ Please contact us on 1800 318 055 or contact us here and we can provide you with a quote.