Reliable Public Liability Insurance for Businesses in Melbourne and Across Australia

Public liability insurance protects your business from any kind of claims arising out of injury to a customer or client visiting your premises. Public liability insurance is designed for businesses and professionals from claims made by customers, clients and other people who are injured while at their business establishment. The business public liability insurance also covers damage caused to the client or customer’s property due to negligent services or while they are using your products. The insurance also covers reasonable legal fees or expenses that you may incur when contesting claims lodged against you.

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CP Insurance Servicesis a trusted broker based in the Melbournehelping businesses in Melbourne and across Australia find suitable public liability insurancecovers. We work with all the top insurance providers in Australia and can help you find a suitable insurance product for your business. You can trust us to introduce only the best covers that will protect your company from future claims.

Who Needs Public Liability Insurance?

Every business that deals with the public and whose premises are visited by people needs PL insurance to safeguard against third-party claims. You also need this insurance if you sell any kind of goods or provide services that can cause injury or property damage. Typical businesses that need comprehensive and robust Australian public liability insurance coverage include:

Tradies
Professional services provider
Wholesale and retail

Offices
Travel
Tourism

What Does Public Liability Insurance Cover?

PL insurance covers a wide range of claims for compensation that are lodged against a business, such as:

Third-party personal injury: This covers the compensation for personal injuries caused to a client or customer at the business premises or by using a faulty product or service. It includes associated medical costs.

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Third-party property damage: This provides coverage against damages to the third party’s property caused by a service or business activity of your company.
Legal costs incurred: This coverage deals with the cost of legal representation to deal with any claimlodged by a third party against your business.
Damage to third-party goods in your care: This concerns any damage to third-party goods in your care. You should check with your broker or insuranceservice provider for any exclusions or exceptions to this.

Notable Exclusions from Public Liability Insurance

While PL insurance is one of the most comprehensive coverage policies to protect businesses from possible claims by third parties, there are a few notable exclusions from this policy, such as:

Injury to employees or business owners
Damages to the premises or property of the business
Cyber-attack against your business
Defamation suit against the business owner

Product recall
Faulty workmanship
Any contract-related liabilities
Any liabilities related to an event before or after the policy period

If you want coverage for any or all of these exclusions, you will require a separate insurance product. You can discuss with our broker to find out the various options available to you.

Find the Right Public Liability Insurance for Your Business

We understand that no two businesses or clients are alike. As such, personalised service for your business and insurance needs is a must. Our team has knowledgeable brokers who have years of experience and are familiar with the insurance market, providers and products. This helps us provide you with a product that matches your specific requirements.

Many people and businesses are hesitant to take this insurance due to the public liability insurance cost. However, as an informed decision-maker, you have to consider the financial burden of dealing with a legal claim and the compensation that your business will need to pay if you do not have the PL insurance plan coverage. If the associated costs are an issue, consult with our experts and find a plan that meets your needs.

Why Choose CP Insurance Services for Business Public Liability Insurance?

We are amongst the most trusted PL insurance brokers in Melbourne and across Australia. Based in the Melbourne, our team has helped several businesses and multinational corporations find the best insurance products for their needs. With our help, you can run your business without stressing over third-party claims and costs.

CP Insurance Servicesworks for you and not the insurance companies. We will find insurance products that offer your maximum coverage at reasonable premium. Providing excellent customer support is one of our priorities and we will leave no stone unturned to achieve it.

Our services also offer the following advantages:

Cost Saving products
Best protection plans
Access to top Australian insurers
Tailor-made and personalised services
Structured policy coverage

Competitivequotes
Stress-free process
Dedicated point of contact
Quick turnaround time

To find out the best public liability insurance for your business or book an appointment with our expert brokers, you call us on 1300 884 698 or fill out the online form on our website. You can also mail us at webenquiry@cpinsurance.com.au.

FAQs

How much does public liability insurance cost?

The cost of PL insurancecoverage depends on the size of your business and the amount of coverage you require. Small businesses can take a policy cover for a few hundred dollars, while the cover for mid-size or big businesses may cost thousands of dollars every year. Check with our experts and learn the cost of PL insurance for your business.

What does public liability insurance cover in Australia?

Public liability insurance covers personal injury to a customer or client on your premises. It also includes the damage to their property or injury inflicted by your services or products.

What happens if a business does not have public liability insurance?

If a business does not have public liability insurance,it has to pay from its resources to settle any claimlodged against them.

Why does a small business need public liability insurance?

Small businesses need public liability insurance coverage to help them deal with compensation claims lodged against them. This offers them complete peace of mind as they do not have to pay out of their limited resources for any compensation claimlodged against them.

What does public liability insurance not cover?

PL (public liability) insurancedoes not cover any injury caused to the employee or business owner at the premises. It also does not cover any loss to business property, faulty workmanship, product recall, cyber-attack or contractual liabilities. Check with your insurance broker and insurance provider for a comprehensive list of exclusions from your policy.

Why Choose Us

We are an award winning company

Savings Potential

We will work with you to locate and deliver the most competitive balance between coverage and premium for your business.

Superior Protection

We work only with Australian Authorised Insurers, ensuring that we provide the most comprehensive coverage available.

Structured Coverage

From start-up business through to multi-national corporations, we will structure policy coverage to suit which ever sized business you have.

Piece of Mind

Get back to operating your business, knowing all your policies are conveniently managed by our office.

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Andrea O’Neill

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What our client says..

Our Company has dealt with CP Insurance Services for many years. They have always handled our accounts in a professional manner, maintaining honesty throughout. The attention to detail, provides us with great confidence across all covers we have arranged.

Suzanne Collins

Ronald King Menswear (VIC)

We recently engaged Scott to cover our insurance requirements across our businesses.

The service and information was exact to our needs and the ongoing follow-ups ensure that we are covered as we continue to grow our interests.

We highly recommend this business to all our acquaintances for the knowledge, competitiveness, attention to detail and customer care that is on offer from Scott and Andrea at CP Insurance Services.

John Marasco

Urban Rhythm, Sonata Furnishings

We have been dealing with Scott for over 12 years. We have always been impressed by his service and dedication, toward providing best advice to support the chosen policy for our needs, across our Commercial and Personal Insurances.

Michael Axford

Christomax Pty Ltd (QLD)

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CP Insurance Services has assembled and managed Member Insurance programs for the following groups, spanning across many years. To discover more information about each group program, please click on the Group Logo’s below.