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Public & products liability

Business insurance policies

Other available business insurance policies

We have a lot of experience organising both Commercial Motor policies for single vehicles and Commercial Motor Fleet policies if your business operates a fleet of vehicles. These policies can extend to cover automatic additions and deletions, free windscreen, along with other benefits. They will provide protection for your vehicles, including own damage and third party property damage.

Your ability to earn an income is likely your biggest asset that requires protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

If your business carries significant debtors, what would happen if your customer went into liquidation, could not pay, or you were accused of receiving a preferential payment? A Trade Credit policy can protect you against this loss. Atlantic can access a number of markets to cover this large exposure.

Atlantic can provide advice and organise cover for both hobby farms and commercial farms that are your sole source of income. Specific conditions in many home policies exclude claims if your property is over a certain size or has animals that are not just domestic pets. Speak with us today to ensure you are properly protected.

A General Property policy can provide you with protection for your valuable items Australia Wide and can include cover for Accidental Damage, Fire & Perils, Burglary/Theft and Transit. Speak with us today to determine whether this cover will suit your needs.

Many businesses believe Product Recall is automatically covered under their Liability program. This is often incorrect. In the event that one of your products requires recall following a risk of physical damage or injury, this specialist policy can cover you for costs including advertising, cartage and other monies spent in securing the return of your product.

If you move goods locally or internationally we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods while in storage.

Atlantic’s Corporate Travel policies can provide automatic protection for you and your employees while travelling on business. It can also cover Directors, senior staff and other nominated people for their leisure travel. Includes cover for baggage, medical, liability and other important exposures.

If you offer any advice or provide a professional service, we recommend that you speak to us about putting a Professional Indemnity policy in place. This will provide you with protection against claims of negligent professional advice.

We recommend that all of our business clients consider a Management Liability Policy which provides the Directors, Officers and Employees of your company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

A Business Package policy is often the most cost effective way to cover a small businesses common Property and Liability Exposures. At Atlantic Insurance we have a wide range of policies available to protect your businesses exposures, including Fire and Perils, Burglary, Business Interruption, Money, Glass, Liability, Machinery, Transit and many more.

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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