Public Liability Insurance Brokers in Melbourne

At SMART Business Insurance our brokers obtain multiple quotes and place public liability insurance for businesses all over Australia every working day.

We are specialists in public liability insurance for businesses and, for common business activities, can provide you with STEADFAST negotiated public liability policy wording from leading insurers such as Vero, Zurich, Chubb, CGU, Allianz,  QBE. AIG and more.

Whether you are a sole trader, contractor, tradesman, retail shop owner or large business chances are we have placed public liability insurance for a similar business. The price and terms offered on public liability for different types of businesses can depend on the insurer “appetite” for your business. As our team of SMART insurance brokers specialise in business insurance they are often familiar with the insurance companies that are suitable for the different types of businesses. As insurer “appetites” can change from year to year for certain business activities our brokers can take the pain out of you having to hunt around for a different insurance company yourself every other year by giving you access to many suitable insurers with one phone call.

At SMART, we act in the interests of our business clients.

Our brokers can help businesses with their public liability quotes and cover by:

• Sourcing multiple competitive quotes on policy inception,
• Remarketing your policy to other suitable insurance companies where appropriate
• Providing general advise and answering your questions
• Help with your liability claims

How much does public liability insurance cost for a small business?*

The cost of public liability insurance for your business depends on a number of key factors including:

• The nature and scope of your business
• Your business turnover and size
• Amount of insurance cover your business needs

Please note: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the business activities you undertake and the insurance policy and company will respond as intended when there is a claim.

Do I need public liability insurance for my business?*

Public liability insurance is the core insurance required by all small businesses, sole traders and self-employed contractors in Australia.

For a relatively small amount public liability insurance may save you from business and personal ruin.

For some types of small businesses public liability insurance is compulsory. Further some of your potential clients will only engage businesses covered by public liability insurance.

For small business means public liability insurance may cover third party damages; including legal defence costs.

That is public liability insurance may cover your small business for claims against:

• Damage to someone else’s property
• Personal injury to someone not employed by you

Examples of small business public liability insurance claims are:

• Slips, trips and falls to someone not employed by you
• Damage to the equipment or personal belongings of someone not employed by you
• A falling or moving tool or building material causes damage to someone else’s property or someone not employed by you

In the above situations your business may be legally responsible for the claim. To cover your small business against potential public liability insurance claims, talk to your SMART Business Insurance Broker on 1300 542 573.

Smart broker tip: In some instances, public liability insurance may help cover legal bills against claims against you – whether the allegations are true or not.