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Get tailored public liability insurance for your business today.
Our team is ready to provide the assistance you need, ensuring you’re well-protected and getting the best deal possible.
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Most Dedicated Business Insurance Broker 2023
QLD 2023 Top Insurance Broker Finalist
Peoples Choice 2023 Winner
Fast Starter Award 2023
QLD Top Insurance Broker Finalist 2022 Finalist
QLD 2022 Top Insurance Broker Finalist
Top Thought Leader 2022 Winner
What you need to know about
Public Liability insurance and Product Liability insurance are usually put in place to protect your business from legal costs or actions related to personal injury or property damage caused to a third party or their property due to business operations. These policies play a crucial role in safeguarding your professional services and ensuring peace of mind for your business. By having adequate coverage, you can focus on doing what you do best while knowing that you have protection.
These injuries have the potential to directly impact either a member of the public or damage third-party property. In many cases, especially when dealing with commercial leases or visiting customer locations, it is generally required to have an insurance policy in place that provides coverage for your liability. This ensures that you are protected and can safeguard against any unforeseen incidents. It is always better to be prepared and have the necessary coverage to protect yourself and others in case of any unfortunate events.
Are you searching for a broker to assist you with liability insurance? We've got you covered.
“A cafe worker was working in her cafe when a customer slipped on a spilled drink, suffering a broken hip. The customer sues, and the business is found liable to pay a sizeable compensation claim, as well as significant legal costs. The cafe owner policy covers the cost of the claim so that the cafe owner can meet the liability costs.” – Claim Source: Steadfast Insurance website.
Personal injury claims are on the rise here in Australia, which has resulted in a notable increase in Public Liability Insurance claims. Whether it’s a minor mishap at a bustling cafe or a construction worker amidst a team of 100 tradespeople on a job site, every business operates with its own business. ABN should have a well-defined policy to safeguard against unforeseen incidents.
It’s crucial to prioritise protecting your business and ensure that you’re adequately prepared for any potential liabilities. The expenses linked to incidents that may result in personal injury or property damage can often amount to hundreds of thousands of dollars, depending on the claim’s magnitude and the extent of the loss that took place. It’s quite a significant sum, considering the potential consequences involved.
Regarding liability policies, the cost can vary significantly based on your business structure. It can range from just a couple hundred dollars annually to a few thousand. However, it’s worth having in place to protect yourself in case the unexpected happens. To learn more about the average price of Public Liability Insurance policies, check out our article. We’ve got all the details you need!
If you’re running a business, there’s a good chance you’ll require more insurance coverage than Public and Product Liability. The specific types of policies needed can vary greatly depending on the nature of your business. For example, a café would have different insurance needs than a tradesman. We suggest chatting with an Insurance Broker to get a comprehensive evaluation of your business and determine exactly what you require. They’ll be able to provide expert guidance tailored to your specific situation. Don’t hesitate to contact us and ensure you have the right insurance coverage!
Here are a few other types of insurance that your business might want to consider, just as an example:
We don’t use automated quote engines. Every policy is reviewed by a dedicated public liability insurance broker who understands your business, your industry, and your risk. Nothing is recommended until we fully understand your situation.
A brief conversation is all we need. We'll ask about your industry, the type of work you do, your annual turnover, and any current policies so nothing gets missed and no gap in your liability insurance goes unnoticed.
Your dedicated broker searches across our panel of public liability insurance specialists including Steadfast's trusted and agreed policy wordings. We assess policy terms and not just price to find cover that actually protects your business at claim time.
We present you with clear, tailored liability insurance options and walk you through the differences. No surprises around what's excluded. We explain exactly what's covered and how each policy performs when a claim is made against you or your business.
Once you're on cover, your dedicated public liability insurance broker stays with you. We handle renewals, policy adjustments, and end-to-end claims support so you can focus on running your business with confidence.
Daniel Ufer (authorised representative 1295221) is the Managing Director of Priority Insurance Brokers, bringing seven years of industry experience. Specialising in blue collar, trades, construction, and mining insurance, Daniel holds a Diploma of Insurance Broking and is a Qualified Practicing Insurance Broker.
His dedication and expertise were recognised in 2023 when he was awarded the ADVISR Insurance Broker of the Year (People's Choice). At Priority Insurance Brokers, Daniel leads the company while managing key accounts, ensuring top-tier service and tailored insurance solutions for clients in demanding industries.
Chloe Ufer is a Director at Priority Insurance Brokers with seven years of experience in the financial services industry. She specialises in accounts and administration, holding a Bachelor of Laws, a Graduate Diploma in Legal Practice, and RG146 certification in superannuation. Chloe has previously worked with Sunsuper and various law firms. At Priority Insurance Brokers, she manages accounts payable, staffing, and compliance. Recently returning to the workforce after taking time off to raise her three children, Chloe now contributes significantly to the company's strategic planning and growth, leveraging her extensive legal and financial expertise.
Joshua Cotter (authorised representative 1313037) is an Account Manager at Priority Insurance Brokers with 16 years of industry experience. He specialises in blue collar, trades, and mining insurance. Joshua holds a Diploma of Business, an Associate's Degree in Education, and Tier 1 RG146 Insurance Broking certification. He has worked with major brands within the Suncorp Group and Youi Insurance, where he was recognised as Best Insurance Leader. At Priority Insurance Brokers, Joshua is dedicated to helping clients achieve the best insurance outcomes. Apart from a brief stint in a supermarket during his teens, his entire career has been devoted to the insurance industry.
At Priority Insurance Brokers, Jermelyn is known for her exceptional ability in providing support and delivering swift service to ensure smooth operations and is also well organised enhancing the productivity within the organisation. She’s able to manage time effectively to meet tight deadlines while looking at every perspective to deliver high-quality results.
Anyone who has registered an ABN should consider a public liability insurance policy. Regardless of the size of your business, how it operates or where, you should have a policy in place to protect yourself and your business. If you’re a sole trader you should also consider that as an individual, personal assets can be at risk when compensation claims are made.
Yes, any business with a registered ABN should consider public liability insurance in order to be covered for the activities that they are doing as a business. This covers things like personal injury or property damage to a third party.
A liability is essentially anything that your business is liable for. As an example, if you damaged someone’s property while quoting a job, you are liable for the associated repair costs.
If you don’t have public liability insurance and a claim arises then there is a good chance that you will be required to pay the associated costs on your own. Your policy adds an additional layer of protection where if you are deemed to be liable for the damages then your insurer will pay for the claim in line with your policy conditions.
They are essentially the same thing however, covering different things. Public Liability is damages or injury to the general public due to the services that you are providing. Whereas product liability is your liability for images or damages due to a product that you have provided. This could be something that you have sold to a client or manufactured as an example.
The cost of public liability insurance depends on a number of factors, including the level of cover you require and the nature of your business. Generally speaking, businesses with higher risks (such as those involving manual work or the use of machinery) will need higher levels of cover than those with lower risks (such as office-based businesses).
However, public liability insurance is generally fairly affordable, especially when compared to the potential costs of defending a claim without insurance. Talk to Priority today about the needs of your business and the insurance risks worth covering.
Builders and construction professionals is an industry that we specialise in. Our team of insurance brokers can assist with placing your liability insurance and other associated policies like contract works and tools cover.
Plumbing is an industry we know a lot about, we insure hundreds of plumbers right across Australia. From civil plumbers, roof plumbers and other domestic or maintenance plumbers. We can assist with placing the right cover.
As a trade, civil and construction insurance broker we specialise in insurance for the high risks locations such as mine sites, civil sites, offshore, solar farms and power plants.
Several insurance providers do not offer coverage for asbestos removal operations. Therefore, it is crucial to have appropriate insurance protection in place to mitigate the risk of substantial claims arising from pollution, contamination, or bodily harm.
Our insurance for electricians is tailored to the electrical industry where depending on your circumstances will determine whether we need to obtain cover with or without height limits, cover for domestic only or commercial and insutrial work to be included as well.
Earthmoving and excavation contractors are prone to potential liability issues and it is important that you understand what your policy covers and what it doesn’t. Ensure that if you are working near any fixed property that you’re covered if you cause damage.
Why should you use Priority Insurance Brokers to arrange your Public Liability Insurance?
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