Public Liability

Public Liability Insurance is meant to cover
Public liability insurance covers a business for the physical actions of its employees as well as for claims resulting from products a business makes, manufacturers or sells.
Public liability insurance typically covers
Public liability insurance commonly covers three areas:
Public Liability
Claims resulting from the physical actions of directors and staff resulting in physical damage or injury to property and people.

• Products Liability
  Claims occurring to people or things as a result of something a business has made, manufactured, sold or done.

• Property Owners Liability / Tenants Liability
  Cover claims resulting from your control of a premise as either a tenant or owner.

Onto the basic public liability insurance coverage listed above, there are a range of industry specific specialist policy extensions that can be added including driving risk, treatment risk, electrical contractors extension etc.

Is public liability insurance written as a standalone policy or as part of an insurance portfolio?
Public liability insurance can be written as either a standalone policy, or in conjunction with a businesses property insurance coverage.
Typically insurers will not quote public liability insurance if it is written as a stand alone policy. Whilst stand alone public liability insurance can be obtained, the number of insurers prepared to quote is reduced and the prices are normally higher than when written as part of an insurance portfolio.
 
Considerations/Limitations to be aware of with public liability insurance
Public liability insurance is an area where the most exclusions and limitations are imposed by insurers. The most common policy limitations are:

• Contractor / Sub-contractor exclusion
  Most public liability insurance policies exclude cover for the work performed by contractors and sub-contractors. This includes those deemed employees under workers compensation insurance definitions.
• Dial before you dig requirements
  Most public liability insurance policies require that you utilize such facilities as the dial before you dig information service in order to cover claims resulting from damage to underground services, and limit excavations depths to 2m.
• North America Exclusion
  All public liability insurance policies exclude claims arising from the sale and/or provision of services within North America unless specifically noted on a policy.

As well as the above listed general public liability insurance policy limitiations, there are also a large number of industry specific exclusions insurers will apply to a policy based on the business being insured, these can includelimitiations/exclusions on a portion of the business’ activities, height a business may operate to and number of contractors a business can use to name a few.
Should you wish to discuss your individual insurance needs with a qualified risk adviser, please contact our office on 1300 815 344 or complete the attached Request a Quote form and we will respond within 24 hours.
View the most Frequently Asked Questions to learn more about the above class of insurance, or Ask a Question to our qualified risk advisers.
Those interested in the above class of insurance have also found the following of interest:

• Business Insurance
• Professional Indemnity Insurance
• Transit / Cargo Insurance
• Income Protection
• Partnership Insurance

We hope you have found this information useful, so we can create the best insurance resource material available, please provide us with Your Feedback on the information provided or with suggestions on what else you would like included.