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Stand Alone Liability Insurance

Stand Alone Liability Insurance

“Stand-alone liability insurance” refers to a policy that specifically provides coverage for liability risks without being bundled with other types of coverages. In the context of Australian insurance, stand-alone liability insurance can cover a range of potential legal liabilities that individuals or businesses might face. 

What can Liability Insurance cover?

  • Public Liability Insurance: This covers the costs of legal action and compensation claims made against a business if a third party (like a customer or a member of the public) is injured or their property is damaged while on the business premises or because of the business’s operations. For example, if a customer slips and falls in a store or if a tradesperson damages a client’s property while working.
  • Products Liability Insurance: A subset of public liability, it covers the legal and compensation costs if a business’s product causes injury, death, or damage. For instance, if a manufactured item is defective and harms a user.
  • Professional Indemnity Insurance: Relevant for professionals who provide advice or services. It protects against legal costs and claims for damages that might arise if a client alleges they’ve suffered losses due to the professional’s negligence, errors, or omissions.
  • Employers’ Liability/Workers’ Compensation: While Workers’ Compensation is a mandatory type of insurance in Australia for employers to cover employees in case of work-related injuries or illnesses, Employers’ Liability can cover claims not addressed by Workers’ Compensation.
  • Environmental Liability Insurance: Protects businesses from the costs associated with damage to the environment for which they might be held responsible, such as pollution incidents.
  • Directors and Officers (D&O) Liability Insurance: Provides cover for company directors and officers against legal claims alleging breaches of their fiduciary duties.

Let us help you with Stand Alone Liability Insurance today.

Prefer to speak with someone? Give us a call on 1300 587 225. 

Request a Quote from Ausure

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.

Speak to Ausure Insurance Brokers about your Business Insurance

Speak to Ausure Insurance Brokers about your Business Insurance

Please let us know how we can help you with your insurance needs.  

You can upload a copy of your most recent policy schedule below, which will save time and help us understand what type of insurance you need. On the next page, we will ask you a few more questions about your business. 

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