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Public and Products Liability Insurance

Find and Compare Public Liability Insurance

Compare Public Liability Insurance Cover and Quotes

Public and Products Liability insurance provides coverage for businesses and individuals against legal claims by third parties for bodily injury, property damage or financial losses resulting from negligence. Having public liability insurance is important for businesses that interact with the public, as it protects them from potential claims that could cause financial harm.

Complete the contact form below to let us know how Ausure can assist you with your insurance needs. Know what insurance you need? It takes a little longer, but you can complete the full Business Insurance Enquiry form here.  which provides us with all of the information we need to get started on your quotes.

You can also save time by uploading a copy of your current policy schedule. Once you have submitted your request, an Ausure representative will be in touch within 24 hours to discuss your request. Once we have all the information we need, an Ausure broker will approach the market and provide you with a number of comparable quote and price options.

Request a Quote from Ausure Insurance Brokers for your Business Insurance

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If your business or occupation does not appear in the list, please select 'Other'.

Please note that we are unable to assist with event, market stall or short term insurance
(less than 12 months).

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We're going to ask you some questions about your requirements so that we can get the quote process started. The more details you give us, the quicker we are able to go to market to provide you with comparable quotes. If you are unsure what you need or prefer to talk with someone, please skip through the pages and submit the quote request. 

If you are unsure to any of the answers - please leave them blank.


 


Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
 
Your portable business equipment - such as tools for a tradie.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Protects premises from covered events such as theft, fire,  or natural disasters.





Loss of business income and increased expenses following a Fire & Perils loss
The maximum amount covered for the loss of a business's gross profit due to an interruption caused by an insured event.
The specified time frame during which a policy provides coverage for losses following an insured event.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.





Theft of property following forcible/violent entry to the premises

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
Coverage that protects against the loss or damage of perishable goods, such as food or pharmaceuticals, due to breakdown or failure of refrigeration or cooling systems.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


Can protect a business and its assets from financial loss due to unexpected
events, accidents, or liabilities that occur to goods whilst in transit.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect businesses against financial loss due to damage
or liability resulting from the use of commercial vehicles.
Vehicle Details
Cover Type


The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


About the Vehicle












Insurance Specialty Covers - this applies to some businesses.

Some businesses require additional Insurance coverage. Please indicate below if you would like to know more information on any of these specialty Insurance Products.
Cover for Mobile Plant and Machinery and liability from their use
Machinery Details
Cover Type

* Agreed value option requires a licensed valuers written assessment of value of Machine

Sum Insured should be the Market Value of the machine and include the value of attachments and accessories or separately list and declare.
About the Machine/Equipment





Use of Machine/Equipment

Are any of your machines used or expected to be used:

Yes No



Can help mitigate financial losses resulting from cyber attacks,
data breaches, and other cyber-related risks.
Protects businesses and professionals from
loss due to professional negligence.
Protects businesses and managers for
employment actions, statutory obligations + others.
Can protect a business from financial losses due to
customers' inability to pay for goods or services on credit terms.
Costs of recalling/replacing products incl expert advice and brand management.
Protects builders/contractors from losses due to construction damage.
Protects businesses from from unexpected financial
losses whist employees are travelling.
Aircraft and/or liability associated with aircraft, airports or hangers
Commercial vessels and liability
Liability whilst repairing or working on vessels
Loss of income and expenses due to weather/non-appearance of performers
Legal expenses to defend patent, trademark or copyright
Protection for people who are injured whilst doing voluntary work
Your liability for injury to employees
Personal Accident Required Information

Personal Accident provides cover for accidents only. Personal Accident & Sickness will include Sickness also. Please note this does not extend to any pre-existing conditions.



Receive payments monthly or annually at claim time.

Period between when the claim occurs and when you will begin to receive payment.

In the event of a claim, how long will you receive payment.


Amount per week you would like to receive in the event of a claim. (Must be a true reflection of your earnings)

The lump sum that a policy can pay you if you suffer a permanent injury that leaves you unable to work. This is an additional payment to your weekly sum insured.


Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.


Disclosure Questions

If you answer 'Yes' to any of the questions, please enter full details below. 
Yes No


Claim Details





 
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Compare Public Liability Insurance Cover and Quotes

Public and Products Liability insurance provides coverage for businesses and individuals against legal claims by third parties for bodily injury, property damage or financial losses resulting from negligence. Having public liability insurance is important for businesses that interact with the public, as it protects them from potential claims that could cause financial harm.

Who should consider Liability Insurance?

  • Tradespeople: Trades who work in people’s homes or on building sites
  • Retail businesses: such as supermarkets and shopping centres, are visited by customers and suppliers
  • Hospitality: Restaurants, cafes, and bars serve food and drinks to customers
  • Events and entertainment: Events such as concerts, festivals, and sporting events
  • Health and fitness: Gyms and fitness centres
  • Beauty and wellness: Beauty salons, spas, and wellness centres
  • Professional services: Professionals such as accountants, lawyers, and consultants

What can it cover?

ACCIDENTAL INJURY
If a member of the public is injured while on your business premises or as a result of your business activities, public liability insurance can cover the costs of their medical treatment and any compensation claims they may make.

PROPERTY DAMAGE
If your business accidentally causes damage to someone else’s property, such as a customer’s vehicle, public liability insurance can cover the costs of repairing or replacing the damaged property

LEGAL EXPENSES
If a legal action is taken against your business as a result of an injury or property damage caused by your business operations, public liability insurance can cover
the legal costs associated with defending the claim.

COMPENSATION CLAIMS
Can cover the costs of any compensation claims made against your business by third parties who have suffered injury or property damage as a result of your business operations.

PRODUCT LIABILITY
If your business makes, sells or repairs products, public liability insurance can cover the costs of compensation
claims and legal expenses.

Let us help you with Public Liability Insurance today.

Prefer to meet in person? Find your local broker here. 

Not sure what you need or prefer to get a full risk review? No problem, submit your enquiry here and we will get back to you. 

Ausure can help with all types of Insurance:

  • Public Liability Insurance
  • Tool Insurance
  • Trades Insurance
  • Business Package Insurance
  • Professional Indemnity Insurance
  • Commercial Motor Insurance
  • Entertainment Insurance
  • Earthmoving Equipment Insurance
  • Commercial Property Insurance
  • Strata Insurance
  • Home and Contents Insurance
  • Travel Insurance
  • Boat Insurance
  • Car and Motorbike Insurance
  • Office Insurance
  • Plant and Equipment Insurance
  • Retail Insurance
  • Transit Cover Insurance
  • Aviation Insurance
  • Safety Services
  • Professional and Consulting Services

The types of Industries that should to consider Products and Liability Insurance:

  • Insurance for Motels and Hotels
  • Insurance for Tourist Attractions
  • Insurance for Restaurants and Cafes
  • Insurance for Plumbers
  • Insurance for Real Estate Agencies
  • Insurance for Carpenters
  • Insurance for Gyms and Personal Trainers
  • Insurance for Builders
  • Insurance for Farmers and Hobby Farmers
  • Insurance for Accountants
  • Insurance for working from home businesses
  • Insurance for Handyman
  • Insurance for Landscapers
  • Insurance for Electricians
  • Insurance for Sole Traders 
  • Insurance for Tradies
  • Insurance for Business Owners
  • Insurance for Food Manufactures
  • Insurance for Building and Civil Construction
  • Insurance for Not-For-Profit and Charities
  • Insurance for your Personal assets

Ausure are part of Australasia’s largest general insurance broker network, the Steadfast Group. We leverage Steadfast’s scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy options, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of Steadfast behind you. 

Steadfast Broker
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