Public liability
insurance to protect
your business and
your clients
Public Liability Insurance to protect your business and your clients
Public liability insurance:
Reliable coverage for peace of mind
Imagine a customer slips on a wet floor at your business or a visitor is injured on one of your job sites. Could your current coverage handle the costs? Situations like these are part of the everyday risks faced by businesses, big or small, and one accident could lead to significant financial consequences. Public liability insurance is designed to protect you from these kinds of risks, so you can keep your business safe, no matter what comes your way.
Navigating insurance options on your own can feel like a hassle, especially when you want a policy that covers all the bases. Our iinsure insurance brokers make it easy to find the right public liability insurance for your specific needs. With access to over 150 insurers through the Steadfast network, we can help you secure the best coverage available at competitive rates, so you feel fully protected without breaking the bank.
But our support goes beyond just setting up a policy. With iinsure, you have a team committed to helping you at every step, especially when it matters most, at claims time. Our claims team is here to guide you through the process, minimising stress and ensuring you achieve the best possible outcome quickly. We’re on your side, and that means we’ll work tirelessly to handle the hard stuff, so you don’t have to.
Explore other coverage options for business owners
Business Equipment
Your tools and equipment are essential for keeping your operations running smoothly. Business equipment insurance covers theft, loss, or damage to your business assets, ensuring you can replace or repair them quickly to minimise disruption.
Personal Accident & Illness
What would happen if you were unable to work due to an accident or illness? Personal accident & illness insurance provides financial support during your recovery, ensuring you can still meet your business expenses while you get back on your feet.
Commercial Motor
If your business relies on vehicles, it’s crucial to protect them with commercial motor insurance. This coverage safeguards vehicles against damage, theft, and liability for accidents, allowing you to stay on the move without worrying about the unexpected.
CommercialProperty
Your business premises are a vital asset, whether you own, rent, or lease. Commercial property insurance safeguards your physical space against risks like fire, theft, and natural disasters. Repair or replace your property without incurring financial hardship.
ProfessionalIndemnity
As a professional, your clients rely on your expertise every day. But even with the best intentions, mistakes can happen. Professional Indemnity protects you if a client claims your advice, service, or recommendations caused them a financial loss.
Why choose
an iinsure
broker?
We’re a team of experienced insurance brokers who know the ins and outs of public liability insurance for businesses of all sizes. Our clients trust us to provide tailored, hands-on support, whether it’s time for an annual policy review or when you have a question about coverage. Being locally based in Adelaide we’re just a phone call away and always ready to give unbiased advice.
With years of experience and respected industry credentials (NIBA, ANZIIF), you can feel confident that your business is in good hands. We understand the unique risks that come with running a business, and we’re here to ensure your coverage reflects those needs, now and in the future.
Public liability insurance tailored
for Australian businesses
Public liability insurance is more than just a policy, it’s peace of mind for your business and your clients. Let iinsure help you secure the right coverage, so you can keep your focus on what you do best. Reach out today, and let’s build the protection your business deserves.
Before coming over to iinsure I had numerous policies for my electrical business with different brokers and insurers. A friend recommended iinsure to me, and I’m so happy that I gave them a call. iinsure provided me with great advice and service and competitive prices for my public liability, tools, commercial motor and personal accident policies. It’s so much easier now to have my policies in one place as the renewals are all due at the same time. This saves me lots of time with my administration and more time to do my electrical work for clients.
Richard
FAQ’s
What is Public Liability Insurance?
Public liability insurance is your business’s safety net when accidents happen. It protects you from unexpected claims if someone is injured or their property is damaged because of your business operations. This cover can also help pay for reasonable legal fees if you need to defend a claim. At iinsure, we provide comprehensive coverage that’s tailored to your business so you can focus on running it without worrying about financial setbacks.
What types of businesses can be covered under Public Liability Insurance?
Public liability insurance is designed for a wide range of Australian businesses. Whether you’re a commercial or home cleaner, electrician, plumber, carpenter, landscaper, builder, hairdresser, or run a beauty salon, you can get coverage. Basically, if your business interacts with the public or works on client property, public liability insurance can protect you from legal claims and financial risk.
What's covered under Public Liability Insurance?
This insurance protects your business from a variety of potential liabilities, including:
Public accidents: One of the most common risks, covering injuries that happen to members of the public because of your business operations.
Legal liabilities: Helps cover reasonable legal fees if you need to defend a claim brought against your business.
Third-party property damage: Protects against claims for damage to someone else’s property caused by you, your employees, or your business activities.
Additional cover options can include protection for injuries on your property, damage to property in your care, custody, or control, and other third-party claims, giving your business broad protection for day-to-day operations.
What are the standard exclusions of Public Liability Insurance?
While this insurance covers a lot, there are some things it typically doesn’t include:
- Damage to personal property owned by the business
- Employer’s liability claims
- Fines or penalties resulting from negligence
- Faulty workmanship
- Claims arising from use of motor vehicles
- Claims involving asbestos
Understanding what’s not covered is just as important as knowing what is, it helps ensure you have the right protection for your business.
What is the claims process for Public Liability Insurance?
If an accident or claim occurs, knowing what to do can make a huge difference to your business. The process usually includes:
- Immediate notification of the incident
- Documentation of injuries or property damage (photos, videos, inventory lists
- Emergency steps to prevent further damage
- Formal claim submission with all supporting documents
- Assessment by an insurance adjuster
At iinsure, our in-house claims team works directly with insurers on your behalf. We manage negotiations and follow-ups, ensuring your claim is handled fairly and efficiently. Our goal is to get your business back on track as quickly as possible, so you can focus on what you do best.
What are the benefits of using a broker?
When it comes to protecting your business, working with a broker like iinsure provides significant advantages that you simply cannot access when dealing directly with insurance companies.
Access to Extensive Insurer Networks
One of the most compelling reasons to use a broker is market access. iinsure provides access to over 150 insurers through their Steadfast Network advantage, giving you unparalleled market access and negotiating power.
Expert Guidance and Tailored Solutions
Insurance needs vary dramatically between businesses, and a broker’s expertise becomes invaluable in navigating these complexities: Brokers help assess your income replacement needs, occupation-specific risks, and budget constraints to find policies that fit your specific situation without overextending financially.
Independent Advice
As an independent broker, our loyalty lies with you, not insurance companies. This means objective advice and representation of your interests when selecting policies and managing claims.
Ongoing Support
Unlike direct purchases, brokers provide continuous policy reviews and support as your business evolves, ensuring your coverage remains appropriate across all three insurance types.