PUBLIC & PRODUCTS LIABILITY

Atlantic Insurance have been assisting our Clients arrange Public Liability Insurance for over 40 years.

Over this journey we have assisted our valued Clients arrange specialist cover, negotiate unique endorsements to tailor cover that is unique to the industry our Clients operate in and most importantly assist Clients manage their Public Liability Insurance Claims.

WHAT DOES PUBLIC LIABILITY INSURANCE COVER?

Public Liability Insurance provides cover that can protect an individual or business against claims by third parties for bodily injury and property damage caused by the negligence of you, your employees or one of your products. A third party could be a customer, a general member of the public, a supplier or even another contractor.

WHO NEEDS TO TAKE OUT PUBLIC LIABILITY INSURANCE?

Any individual or registered company should have a Public Liability Policy in place as should a claim be made by a third party following property damage or bodily injury even if you believe you are not at fault you will need to defend yourself against a claim which will likely incur legal costs or sometimes defending yourself in court. A good Public Liability Policy will provide cover for damages / settlement to restitute a loss along with importantly cover for legal defence costs.

The Public Liability requirements for example of a Tradie or Aged Care Facility are considerably different and some examples of policy extensions we can assist in negotiating are included below.

DOES ATLANTIC INSURANCE ASSIST WITH CLAIMS?

Receiving a letter of demand, Writ or Summons can be an especially stressful time for any business. We pride ourselves on assisting our Clients lodge their Public Liability claim with their insurer and manage their claim through to cessation. The Client Manager responsible for arranging your cover will be responsible for managing your insurance claim.

WHAT POLICY EXTENSIONS / ENDORSEMENTS MAY BE RELEVANT TO CONSIDER?

Atlantic Insurance carefully consider each Clients unique needs and tailor a Public Liability cover to suit our Clients individual and unique needs. An example of some of the common endorsements we can negotiate are as follows:

Trades Insurance

Victorian Plumbers Endorsement (Consumer Protection)
Queensland Electricians Endorsement
Goods in Care, Custody & Control
Vicarious Liability
Principals Indemnity

Business Insurance

Goods in Care, Custody & Control
Vicarious Liability
Principals Indemnity
Tenants Liability
Contractual Liability
Driving Risk
Product Recall Expenses
Treatment Risk

There are many other endorsements that can be negotiated following a review of your business activities by one of our Client Managers.

Our Team of experienced Client Managers are available to discuss your specific Public Liability Insurance requirements. Call us or provide your details today and we will be able to assist.

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FAQ's

Public Liability Policies are designed to cover Property Damage and Bodily Injury following your negligence. Unfortunately accidents happen and a Public Liability Policy is designed to protect you should a claim for negligence be made against you or your business.

Atlantic’s experienced Client Managers can provide a solution to package all the covers that are required to cover you and your business.

Premiums start at just $460 per year, your premium will be calculated by prospective insurers based on your occupation, turnover and underwriting information.

Yes, the Client Manager you normally work with at Atlantic will assist in lodging your claim and seeing this right through to finalisation.

What Our Client’s Say About Us

Thank you for being so professional in helping us with our insurance needs. You certainly made life a little easier and more pleasant for our small company.

W GORMAN – AUTO AIRLECTRIC

Rob was a great help when sorting out my business insurance, as a business owner you don't know what you don't know. The insight and advice he provides was made sweeter by how light hearted and humorous he is to work with. If you ever want to enjoy fixing up your insurance, look no further than Rob Nolan from Atlantic insurance.

P Lazaro – Teaslec Electrical & Solar

I have no hesitation in recommending Rob and Laura to any of my tradesmen friends which I have already done on many occasions stating that you never truly know what you are insured for until you make a claim, but when you do make a claim in certainly pays to have Rob and Laura in your corner.

M. Humphery – R&T Plumbing

Thank you Laura, for everything, you’re so efficient, great at sorting things quickly and with a minimum of fuss. We appreciate all that you do and have done for Zane.

J. English

"Thank you for all your wonderful work on managing our Plumbers Renewal, your work has been very professional and this has been expediently handled at all times, it has been great to have you working with me on this."

S Jones, J1's Plumbing.

"Thank you Laura. We really appreciate you going above and beyond to save us so much money and sorting this year's business protection. You're fabulous."

K BOWLES - DG GROUP

"Thankyou kindly for your exceptional service Karen. I will definitely refer associates to you. Your follow up and commitment to excellence has been fantastic."

Mark - MDM Contractors Pty Ltd.

"Thank you Luke, I greatly appreciate the work you and your team have done in assisting me in setting up policies for my new business and I will highly recommend your company to anybody looking for insurance."

Terry Myles – Elite Civil and Rail

Atlantic Insurance Brokers have provided Cooper Group Australia Pty Ltd insurance advice for over 20 years. The team at Atlantic take the time to understand our business and have provided invaluable advice on new risks we face as a business in relation to Cyber threat and Subcontractor liability. Graeme and Mark have always been contactable and have personally overseen all our Insurance claims from the smallest car accident to significant onsite break-in and thefts. Cooper Group Australia Pty Ltd fully endorse Atlantic Insurance Brokers as a first class business partner.