Public & Products Liability Insurance
What is Public liability Insurance?
Public Liability insurance is your protection if, as a result of your business activities, your business is found to be legally responsible for personal injury to a third party or damage to their property. With increasing litigation in Australia you'll probably consider this to be one of your more important covers.
Pay by the month | Yes |
Period of Insurance: | up to 365 days |
Professional Indemnity Insurance
What is Professional Indemnity Insurance?
If your business provides advice to your clients, it’s important to consider protection for your business against allegations of malpractice or professional misconduct. Businesses which provide professional advice or services, can be held liable for claims arising from errors or omissions or breach of duty committed by the business or their employees or consultants. This means that if you do something, or fail to do something, in the course of your work and a client suffers…or alleges they’ve suffered a loss, they may take action against you. These Policies can provide protection for claims brought against the company or their principals, or employees.
In addition to the payment of any settlement, substantial investigation and defence costs can be incurred in defending the company and its reputation. In many cases these claims can be without substance, but you are still required to defend them.
Pay by the month | Yes |
Period of Insurance: | up to 365 days |
Management Liability Insurance
What is Management Liability Insurance?
Management Liability aims to protect your business, directors and related entities against exposure to the legal consequences of innocent breaches arising from daily activities of running a business. Key areas of this cover include OH&S investigations, Employment Practices, Statutory Liability (in some instances, can include fines and penalties), Employee theft and third party crime, ATO investigations and enquiries, and Personal asset protection.
Typical insurable events may include:
• Wrongful acts committed by company directors and managers such as misrepresentation and breach of duty
• Wrongful dismissal, bullying, or discrimination breaches claims brought against you by your employees
• Costs of legal expenses of defending certain claims against your business for wrongful conduct