Public Liability Insurance

Safeguard Your Business with Public Liability Insurance

What is Public Liability Insurance?

In the event that you have any visitors coming to your business premises, regardless of whether it’s a business client or not, you are responsible for their safety once they get inside your business. In like manner, if you send your employees to visit a client’s premises, such as a tradesman, your business also has a responsibility to the premises your employees are visiting. More than anything else, Public Liability Insurance will often take care of any legal fees that you have to pay because of injury or property damage in connection to your business.

It’s an important consideration for every company, especially if it involves activities with the public and other corporations. Knowing what you’re covered when taking out Public Liability Insurance is important because not all of your business-related activities may be covered. Explore Public Liability Insurance with BOK and find out what is covered.

What’s covered

✅Your liability to a third party if they suffer an injury in your business premises or from your business products

✅Expenses incurred by you when rendering first aid to a third party

✅Legal costs and expenses incurred with our permission in the defence or settlement of any claim for compensation for injury or property damage against you

✅Your legal liability for third party property in your physical or legal control, for example the cost of replacing keys or security cards which are damaged, destroyed, lost, or stolen

    What’s not covered

     Completing, correcting, or improving any work undertaken by you or on your behalf (except for claims against you for personal injury or property damage resulting from faulty or defective workmanship).

    Liability for things like:
    an incorrect product description, or
    a mistake in advertised price or failure of your products or services to conform with advertised performance, quality, fitness, or durability. 

    Depending on your interaction with the general public during the course of your business, Public Liability Insurance may assist you if you become obligated to pay compensation for injury to another party, or damage to their property as a result of your business activities, or using your product or service.

    Your business may be liable for paying legal costs in the case of an accident, even if you are the one who isn’t at fault. Public Liability Insurance can cover the legal costs if you’re sued for an action taken by you in your capacity as a public figure. The list of businesses and individuals susceptible to Public Liability Insurance claims is varied, including Mechanics, tradesmen, home service providers, health professionals, beauty professionals, real estate agents and more.

    Make sure you get the right level of cover

    When running a business, it is important to make sure you have the required level of Public Liability insurance in place. You should check with your landlord, council or primary contractor to determine the necessary amount of cover. To get started, speak to one of our knowledgeable insurance experts, who can help guide you towards the right policy for your business needs.

    Let’s Talk

    Not quite ready for a quote but would like to contact us first about your insurance policy? Give us a call on 0490 096 339 or fill out the form below, and we will get back to you.

    Other Insurances

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    BOK provides tailored insurance solutions for businesses of any size in many industries

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    We specialise in cover for those who invest in the commercial property sector.

    Fire Inspectors

    Specialist cover for all businesses working in the Fire Inspection Industry

    Our Customers

    Jean Rode
    Jean Rode
    01:15 10 Nov 22
    I have used BOK for several years to assist with all types of business insurance, Belinda goes above and beyond to get a good price and the right cover, she is always pleasant to deal with and responds in a timely manner.
    Jason Apostolu
    Jason Apostolu
    07:03 29 Sep 22
    Belinda was great to work with, she made the whole process of finding the best insurance for our company/commercial property easy and nothing was too hard despite my numerous questions.I would highly recommend using Belinda from BOK Insurance she made me comfortable and took the stress away. I wont hesitate referring her to family and friends also.Thanks AgainJason
    Jabin Crisp
    Jabin Crisp
    23:43 15 Aug 22
    I have been using BOK insurance solutions for years for my business and personal insurance as they take the extra time to find the best option to match my insurance needs. Its what keeps me going back.
    Sarah Handel
    Sarah Handel
    22:59 15 Aug 22
    Belinda has been very helpful in the process of arranging business insurance for several projects I have worked on and also business vehicles. She does the leg work to source the right policy that fits in with your Company needs. She also takes the time to explain things clearly providing an overview that is easy to understand. I highly recommend Belinda for your insurance needs.
    Amy Graham
    Amy Graham
    04:30 15 Aug 22
    Belinda is a professional and passionate Insurance Broker who works very hard to get the best value cover at a great price. She is pleasant to work with and very responsive.
    Cory Harris
    Cory Harris
    02:42 15 Aug 22
    Belinda and the team have been amazing with helping with our insurance. From finding us a much cheaper option with better coverage to helping the whole process when we did have a claim. Highly recommend
    See All Reviews