What is public liability insurance?
In simple terms public liability insurance covers you for third party property damage and third party injury. If you need a quote on public liability insurance, simply click on the blue button marked “Click here for a Public liability insurance quote”. When we are asked by a client “what is public liability insurance?” we would generally answer with, public liability insurance covers you for third party injury. Third party injury is when you injure a person other then yourself or an employee. This sometimes also means sub-contractors and Labour hire personnel are also covered, but it is very rare to find a policy that covers your sub-contractor and labour hire staff and the companies that do cover it generally have higher excess then in previous years due to higher worker to worker claims on job sites.
To answer what is public liability insurance? in regards to third party property damage, this covers you for when you damage property that is not your own, you may be working on a clients premises and to give an example, drill a hole through a wall hit a wire which causes a spark and burns a whole building down, if you are found legally liable then you would turn to your Public liability insurance provider as to rebuild a whole building will go into the hundreds of thousands. Public liability insurance does not cover your own equipment and tools or stock for this you will need tools cover. Tools cover goes by different names it can sometimes be called General property, so if you need this type of insurance make sure you advise your broker.
What is a public liability insurance going to cost me?
If you use our online system we can free public liability insurance quotes for most trades, retail and office occupation online in under 2 minutes. Simply click on the blue button marked “Click here for a Public liability insurance quote”
If you have any questions call Bluewell Insurance Brokers on 1300 669 664.