Navigating operational and legal risks is an inherent part of being a business owner, regardless of your industry. From workplace incidents to property damage, no company is immune.
Public liability insurance covers claims made by third parties if your business operations have resulted in bodily injury or property damage; that could mean anyone from your customers, suppliers, to even someone just walking past your site.
With 20 years of experience matching businesses with robust Public Liability insurance, speak to our specialists today or keep reading to find out more.
Public liability insurance covers your business when someone else suffers injury or property damage because of your work. It’s there to handle the legal and compensation costs if, say, a customer slips on a wet floor, or a contractor gets hurt because of your equipment.
Public liability insurance shouldn’t be treated as a luxury. Accidents do happen, and this insurance is part of the foundation that keeps your operation secure when the unexpected happens. The trick is knowing what kind of protection you actually need.
Most coverage typically includes:
What is typically NOT covered:
Regardless of your business size and structure, any employer who engages with the general public, suppliers, or clients will need public liability insurance.
CIG Insurance brokers provide expert-led advice and personalised solutions for your business needs across a range of industries, ensuring you have the level of protection you need to operate your business with confidence.
At CIG insurance, we are proud partners across a range of Australian businesses:
The overall cost of public liability insurance is dependent on a range of factors relating to your business and its daily operations. At CIG, we can help you choose the right coverage for you based on your business type, annual turnover, your number of employees, and the limits of the cover your business requires. Your unique risk profile can start from just a few hundred dollars annually for a low-risk business. For tailored quotes, reach out to CIG Insurance Brokers today.
When you need to find a Public Liability policy that works for you and covers your unique business risks, a broker simplifies the process and makes sure to find you the best terms. With expert knowledge of the complex insurance landscape, a broker leverages their industry expertise and knowledge to navigate the market for you and negotiate the best conditions and pricing for your insurance policy.
The benefits include:
You’ve got questions about protecting your business. We have the expert answers.
While not legally mandated in Australia, it is very often a requirement for securing commercial contracts, commercial leases, or trade licences. High-risk industries such as childcare do require it.
Public liability includes bodily harm or property damage to third parties, whereas professional indemnity covers any financial loss due to your professional services.
CIG is part of the Steadfast Network, which means clients get access to broader policy wordings and products you won’t find on retail comparison sites. More importantly, we back clients not just at policy setup but through claims, renewals, and those moments where you need to focus on growing your business. Whether you require a detailed assessment of your current cover or clear, informed guidance on your insurance needs, our team is ready to support you.
We prefer building a relationship with you to deepen our understanding of your business and its objectives. With over 20 years of protecting Australian businesses, we recognise the value of building trust with our clients, so you can expect transparency and collaboration when you choose CIG Insurance.
If you’re ready to receive personalised advice, contact us today or submit an enquiry to get started.
