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Public liability insurance
Public Liability Insurance is designed for professionals who interact with customers or members of the public. It helps protect against claims for personal injury or property damage suffered by third parties as a result of your business activities.
If a customer is injured while purchasing an item at your business premises or if an employee damages a customer’s property, you may be held legally liable to cover the costs. Public Liability Insurance also includes reasonable legal fees and associated costs to defend a claim made against you, even if you are not at fault.
Your duty of disclosure
Before you enter into, renew, vary, extend or reinstate a commercial insurance contract, you must tell the insurer everything you know, or could reasonably be expected to know, that is relevant to its decision to insure you and on what terms. You do not need to disclose anything that reduces the risk, is common knowledge, the insurer knows or ought to know, or that the insurer has waived. If you do not comply, the insurer may reduce or refuse a claim or cancel the contract. If the failure was fraudulent, the insurer may treat the contract as if it never existed.
Before you buy
Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any policy before deciding. The PDS sets out what is and is not covered, the limits and the excesses. The TMD describes the class of customer the product has been designed for. We will provide the current PDS and TMD for any policy we recommend, or you can request them from us.