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.
Don’t just insure, be sure
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. As an insurance specialist, Aon helps you find a policy customised for the common risk of your industry so you’re more confident that you’ve found the right type of insurance for your business.
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We offer tailored products for a wide variety of Industries and professions.
Talk to our specialists
Prefer to discuss before you buy? Our team of insurance specialists are here to answer all your questions over the phone.
1300 836 028
Why Aon for Public Liability Insurance?
Don't just insure, be sure.
Right type of cover
- Aon arranges Insurance tailored to protect against common risks in your industry
- We help you to understand how your policy protects against the common risksÂ
- Competitive premiums thanks to Aon’s scale and influence.
Specialist support
- A team of experienced insurance specialists to help you at every step
- We help you make claims and advocate on your behalf
- Australian based teams.Â
Easy to manage
- Quotes online or over the phone on 1300 836 028
- Options to take out premium funding loans to pay monthly. Fees and charges will applyÂ
- Adjust your policy any time. Terms and conditions may apply
- Easy renewal management
- Online requests for certificates of insurance.
Rely on Aon’s industry experience for your Public Liability Insurance
If you’re a small business owner, your job is anything but small. When it comes to protecting your business, it helps to have an expert on your side. At Aon, we want you to feel confident you’ve made a smart decision for your business insurance needs.
As SME insurance specialists, we understand the risks that businesses like yours face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business needs. That’s why we help you by arranging policies customised for the common risks of your industry.
You can compare covers and take out your policy online. Or you can speak with our team of Australian-based SME insurance experts, who are here to support you every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you so you can feel more informed about your choice of insurance.
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Contact
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