Public & Product
Liability Insurance

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Protect Your Business and Clients

With the potential for accidents to happen at any time, it's important to protect your business from the financial impact that could arise from such incidents. This is where Public Liability Insurance comes in. As a professional or business that interacts with clients, customers, or the public, you need to be covered in case someone brings a claim against you due to an injury or property damage resulting from your negligent business operations.

With Public Liability Insurance, you can have peace of mind knowing that your business is protected in the event of an unexpected incident.

What does Public Liability Insurance generally cover?

Bodily Injury
If a customer, supplier, or member of the public is injured due to your business operations, this policy may assist.

Property Damage
If someone else's property is damaged as a result of your business activities, this policy may assist.

Legal Fees and Expenses
If you're sued by a customer, supplier or member of the public, this policy may cover the costs of legal representation and court expenses.

Settlements or Damages
This policy may cover the compensation or damages that you may be required to pay if a claim against you is successful.

Medical Expenses
If a customer, supplier or member of the public sustains injuries due to your business operations, this policy may cover the costs of medical treatment.

Loss of Income
If a third party suffers a loss of income due to your business operations, this policy may cover the associated costs.

Why do I need Public Liability Insurance?

If your business interacts with customers, suppliers, or members of the public, you need Public Liability Insurance. Accidents happen, and claims can be expensive. Without Public Liability Insurance, your business could be at risk of significant operational disruption. Public Liability Insurance provides peace of mind by covering the costs of legal liability and defense costs, allowing you to focus on running your business.

Who is Public Liability Insurance for?

Public Liability Insurance is for anyone who runs a business that interacts with customers, suppliers, or members of the public. It's particularly important for businesses that operate in public spaces, such as shops, restaurants, and cafes. It's also essential for businesses that work on-site at clients' homes, such as tradies and builders. Public Liability Insurance is suitable for anyone who wants to protect their business from the financial impact of accidents and claims.

Product Liability

If you manufacture or sell products to the public, you have a responsibility to ensure that they're safe and comply with Australian Standards and the Australian Consumer Law. However, even with the best intentions, defects or faults can occur, and this can lead to personal injury or property damage. Product Liability Insurance is designed to protect your business against claims by third parties relating to such incidents.

This policy may cover any compensation payable to a third party, as well as your defense costs.

Enquire about Public & Product Liability Insurance today!

Vie General Insurance Pty Ltd is an authorised representative of GI Insurance Brokers Pty Ltd. ABN 26 638 733 070, AFSL No. 521808. We trade as Vie General Insurance Pty Ltd (ASIC AR Number 001294319).

General Advice Warning: This advice has been prepared without taking into account the client's objectives, financial situation or needs. Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation). If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.