Protects your business against legal liability for third party property damage and personal injury in connection with your business activities, products and completed operations.
Small Business and Public Liability Insurance in Perth
Public and Product Liability
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Can be extended to cover goods held in your care, custody or control.
Covers legal defence costs as well as damages you may be found liable to pay.
Every business needs Public and Products Liability insurance. Claims can arise from customers, suppliers, government bodies or even other insurers if your business is held responsible for injury or damage.
Legal defence costs add up quickly, even for small claims. This cover pays amounts you are found liable for and also covers legal costs, with your insurer usually appointing lawyers to handle negotiations and court proceedings.
Most contracts and leases require this insurance, making it essential as well as smart business practice.
Whether your operation is large or small, a tailored Public and Products Liability policy gives you peace of mind so you can focus on running your business. For a quote or more information, contact our experienced team at Westralian Insurance on (08) 9302 2885. We cover a wide range of industries, professions and events.
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For more information or for a free quote, call our team today on (08) 9302 2885
Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on (08) 9302 2885, before deciding to acquire, or to continue to hold, this product.
Q1. What's the difference between public liability and product liability insurance?
Public liability covers claims for third-party property damage or injury caused by your business operations, while product liability specifically covers claims arising from products you manufacture, supply or sell.
Q2. Does every business need Public and Products Liability insurance?
Yes, virtually every business needs this cover, as claims can come from customers, suppliers, government bodies, or even other insurers if your business is found responsible for injury or damage.
Q3. Does public liability insurance cover my legal defence costs?
Yes, the policy generally covers both the amount you're found liable to pay and the legal costs of defending the claim, with the insurer usually appointing lawyers to handle negotiations or court proceedings.
Q4. Will landlords or clients require me to have public liability insurance?
Yes, most commercial leases and contracts require tenants or contractors to hold Public and Products Liability insurance as a condition of the agreement.
Q5. Does public liability cover damage to goods left in my care?
Some public liability policies include an extension for negligent damage to goods in your care, custody or control — this isn't automatic, so it's worth confirming with your broker.
Q6. How much does a legal claim typically cost without liability insurance?
Legal defence costs can add up quickly even for small claims, which is why liability cover is considered essential rather than a discretionary expense for most businesses.
Q7. Can Westralian Insurance tailor a liability policy to my specific industry?
Yes, Westralian Insurance tailors Public and Products Liability policies to a wide range of industries, professions and events — call (08) 9302 2885 for a tailored quote.
