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    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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