Business Insurance
Protection for third-party death, injury and property damage
If a visitor, customer or member of the public is hurt — or their property damaged — because of your business, public liability cover is there to meet the financial risk.
A liability policy usually has two limits — one for public liability and one for products liability — and they're typically the same, for example $20 million each.
What is public liability insurance?
Public liability insurance provides financial protection when a third party — a member of the public or another business you work with — suffers death, bodily injury or property damage. For example: a visitor slipping on a wet floor, a visitor tripping over loose carpet in reception, or a plumber damaging a pipe that causes property damage and business interruption.
How a public liability policy protects you
A liability policy usually has two limits — one for public liability and one for products liability — and they're typically the same, for example $20 million each. Products liability covers injury or damage caused by a product you supply; public liability covers injury or damage caused to a member of the public.
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Personal injury cover includes
- Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
- False arrest, wrongful detention or imprisonment, and malicious prosecution
- Wrongful eviction
- Assault or battery (unless excluded)
- Libel, slander, defamation of character or invasion of privacy, occurring during the period of insurance
Property damage cover includes
- Physical loss of, or physical destruction of, tangible property
- Loss of use of tangible property that cannot be used because of physical damage to other property during the period of insurance
Exclusions vary by insurer — your policy schedule will specify them.
From our clients
“Our dealings with KeyInsure have always been very friendly and helpful, also very quick response and professional advice. Pretty sure they save us money on our insurances also. Thank you.”
KeylendRelated cover
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General advice only. Consider the relevant PDS & TMD before acquiring any product.