Public Liability Insurance
Every business needs some form of General Liability (GL) insurance coverage (also referred to as Public Liability Insurance). GL provides cover for protection in personal injury and or property damage claims made against your business.
A typical public liability policy will cover you for your business activities Australia wide. The policy provides cover for legal expenses incurred in defending claims against your business by third parties.
A business should purchase public liability if it:
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- Has a location open to the public
- Interacts with people on a job site
- Handles client property
- Rents business space
- Sells products to customers
- Advertises or markets their services
- Uses social media and has an internet presence
Case Study
One of your employees has an appointment on a construction site to inspect the progress of the project. While on site your employee accidentally trips on their untied shoelace and knocks the construction manager over. The construction manager dislocates his shoulder and breaks his arm in the fall. The construction manager claims under his employers’ workers compensation policy, which pays in accordance with the State’s legislation for the injury, as well as medical costs and wages w the construction manager is recovering from the injuries and is unable to work. The insurer of the workers compensation policy then seeks recovery of their costs by taking legal action on your practice claiming your employee was negligent for not correctly tying their shoelace.
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At Planned Cover, we offer risk cover tailored and planned for your profession. Through a full circle of support, we offer industry leading advice, insurance and representation for profession-specific protection in the built environment industry.
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