Damages you’re legally responsible to pay, as decided by a court, as well as the other party’s costs, for damage to someone’s property and personal injury to a third party.
What is Public Liability Insurance?
Public liability insurance is designed for professionals who interact with customers or members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business operations.
In real terms, this means that if someone slips and falls on your business premises, or their property is damaged while you’re providing a service, they may take legal action against you or your business to recover their loss. Public liability insurance is designed to help protect your business depending on the policy you take out, covers incidents that occur in your workplace, as well as incidents at other locations.
Public liability insurance only covers claims made by external parties, not those made by your own employees. If you work with clients or customers, or in public spaces, it’s important to protect your business against claims of damage or injury. That’s why we often include public liability insurance in our industry-specific Business Insurance packages. These packages are tailored to meet the unique requirements of your industry. As well as public liability insurance, they may also include product liability insurance and professional indemnity insurance cover.
Who needs Public Liability Insurance?
Public liability insurance is recommended for any business that interacts in public places or has members of the public visit their premises. In every line of work, there’s always the potential for something to go wrong – and accidents do happen.
Claims of personal injury or property damage can be incredibly expensive. Even if you’re not at fault, you may still incur considerable legal costs while defending a claim.
Public liability insurance can help safeguard your business by providing cover against such claims, including legal defence costs. So you can confidently go about your work, knowing your business has a level of protection if something goes wrong.
Why do I need Public Liability Insurance?
With Australia having been coined the second most litigious society in the world after the US, the importance of Public Liability insurance is undeniable. Nowadays, it’s very easy for people to access information about their legal rights, making businesses more susceptible to having claims of third party damage or injury brought against them. If you have clients or other members of the public visiting you on your business premises, there is always a risk they may slip and fall whilst there, or have their property damaged as a result of your service. Whilst these sorts of incidents may seem rare, if they do happen, by the time you add up the cost of legal fees to defend yourself or your business, and any potential damages you must pay, the cost can easily run into the tens of thousands of dollars. This is why public liability Insurance is so crucial. It may not be mandatory for certain professions, but as a small business owner, you may not have that kind of cash lying around, so a potential negligence or injury claim could be enough to make you go out of business.
Industries
We offer tailored products for a wide variety of Industries and professions.
Friendly, experienced brokers
Prefer to discuss before you buy? We are here to answer all your questions over the phone.
1300 836 028
Why Aon?
Public Liability Insurance. Easy.
Easy to Understand
- Easy to digest information about insurances your business needs
- Experienced, friendly brokers on 1300 836 028
Easy to Buy
- Quick quotes online
- Purchase in just a few clicks
- Pay monthly options available
Easy to Manage
- Manage your renewals easily
- Adjust your policy anytime
- Request certificates of insurance quickly and easily
- Assistance in complex claims
Why choose Aon for Public Liability Insurance?
Aon is committed to making life easier for small and medium business owners with insurance that’s easy to understand, buy and manage. If you’re a small business owner, your job is anything but small, so when it comes to protecting your business with the right cover, it helps to have an expert on your side.
You can compare covers and take out a policy online in just a few clicks. But if you need help, our team of friendly experienced brokers are a phone call away, so you can have confidence you’re making a better decision for you and your business.
Risk & Insurance
|
6 min read
Cyber Safety While Working Remotely
Protecting your business from cyber threats while working from home
Small Business
|
7 min read
Mobile Working - What You Need To Know
We cover the top 5 things to keep in mind while working remotely.
Contact
Call 1300 836 028
8:30am - 7:00pm AET
Mon - Fri (except public holidays)
Mon - Fri (except public holidays)