Your legal liability may prove costly

Public Liability Insurance protects your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by the business. Accidents can be difficult to control and the costs of compensation in addition to legal fees can be critically damaging to a business.

Public Liability insurance is strongly recommended for all business owners.

Products Liability is part of the Public Liability policy and helps cover you in the event a claim is made against a business and the product it grows, sells, assembles, supplies or promotes.

 

There are often exclusions, deductibles and limits which apply, so contact an Avoca Insurance Broker to discuss your specific insurance needs.

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Frequently Asked Questions

When considering how much Public Liability insurance your business may need you should consider the level of risk your business faces, as well as other factors like industry or contractual requirements. 

It would be nice to have a crystal ball to know exactly how much cover you should have, but the amount of Public Liability cover you choose is ultimately up to you. 

Many business contracts will include a minimum amount of Public Liability insurance to be in place –stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the contract.   Many industry associations and professional bodies also require members to obtain and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. 

It is important that you take the time to consider the scale of work that you do and the level of financial protection you will need in the event a public liability claim is made against you.