Public liability insurance for Perth businesses
Protect your business from unforeseen incidents that may result in harm or damage to others and their property.
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What is public liability insurance?
Public Liability Insurance protects businesses against claims made for injury to the public or damage to third-party property caused by the business’s activities. Whether the incident happens in the workplace, during an event, or due to your product or service, this coverage shields your business from financial liability.
This policy ensures that your business is protected from legal and compensation costs, so you can focus on what matters most—running your business smoothly.
Why is public liability insurance important?
Public Liability Insurance is crucial for businesses that interact with customers, clients, or the general public. It offers financial protection against accidents and damage claims, ensuring that your business is not exposed to expensive legal fees or compensation costs.
A tailored policy from The Insurance Firm gives you the peace of mind to operate confidently, knowing that you’re protected against the risks that come with running a business. It supports your business’s resilience, enabling it to thrive without fear of financial setbacks caused by unexpected incidents.
What’s usually covered in a public liability insurance policy?
Depending on your business activities and risk exposure, your policy can include protection for :
Third-Party Injury
Cover compensation claims if a customer, supplier, or member of the public is injured due to your business operations.
Third-Party Property Damage
Protect against legal liability if your business activities accidentally damage someone else’s property.
Legal Costs and Expenses
Cover the legal fees and court costs associated with defending a claim made against your business.
Product Liability
Protect your business from claims arising from injuries or damages caused by the products you sell, supply, or manufacture.
Damage at Third-Party Locations
Stay protected while working off-site or at a client’s premises where an accident may occur.
Tenants Liability
Covers accidental damage caused to the rented premises you occupy for your business operations.
Who needs public liability insurance?
Public Liability Insurance is beneficial for any business that engages with the public or works on third-party property. It provides essential protection for businesses across various sectors, such as
- Retailers and Shop Owners
- Cafés, Restaurants, and Hospitality Venues
- Tradespeople and Contractors
- Services to Mining
- Residential and Commercial Builders
- Service-Based Businesses
- Small Business Owners and Startups
- Plant & Equipment Operators
Why work with us?
Specialist Advice
Get tailored guidance from experts who understand public liability risks across industries.
Fast Claims Support
Experience quick and straightforward claims assistance when incidents occur.
Top-Tier Insurers
Access a panel of trusted insurers with competitive policy options.
Direct Communication
Talk to experienced advisors — no frustrating call centres.
What they say about us
FAQ
Public Liability Insurance covers claims made against your business for injuries to people or damage to third-party property that occur as a result of your business’s operations. It protects your business from financial loss due to legal costs and compensation claims.
Public Liability Insurance covers claims for physical harm or property damage caused by your business, whereas Professional Indemnity Insurance covers mistakes or professional negligence in services or advice that result in financial loss for clients.
Business insurance specialists assess your business risks and provide expert guidance on selecting the best coverage for your specific needs. They help you navigate the complexities of different policies to ensure you get the right protection.
Public and products liability insurance offers coverage for legal expenses and compensation costs related to personal injury or property damage claims caused by your business or its products. This protection ensures your business remains financially secure, even in the face of legal challenges.
The cost of public liability insurance varies depending on factors such as your business’s size, industry, and risk exposure. You can get an instant quote online through our website and choose the policy that suits your business needs.
By discussing your business activities with an insurance specialist, you can tailor your public liability coverage to ensure it covers all potential risks. This ensures that you’re fully protected against incidents that may occur in the course of your business operations.
