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Public Liability Insurance Australia

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It’s easy for independent contractors to think of themselves as individuals rather than businesses and in that frame of mind, assume that they don’t need Public Liability insurance in Australia. But this is a false assumption because whatever your profession, from graphic designer to management consultant, an engineer, an IT contractor, or even if you’re self-employed, you might very well be in need of Public Liability and Professional Indemnity insurance.

As a private contractor you may have already noticed that potential clients will often insist on having Public Liability and Professional Indemnity insurance. A growing number of organisations across both the public and the private sectors are simply not willing to work with any supplier who does not have Public and Products Liability insurance protection in place.

Quite simply, if you don’t have it, you won’t get the work. But even if that doesn’t apply to your own personal roster of clients, you should still think very carefully about the serious financial risks you could be running if you’re operating without Public Liability insurance in Australia.

We believe every business, no matter the size, has a duty of care to the general public. If a claim is made and your business caused physical loss, damage or injury to a person or their property, the courts in Australia may award costs and damages against you. Where a business is the manufacturer or distributor of a product, that business may also be liable for damage caused by the products that it sells.

You may be thinking, how could it happen to you? Well, if you ever visit clients' premises or they visit your office, it could happen very easily. As a contractor, if you’re visiting them, no matter how careful you are, there is always the risk that you might accidentally damage something valuable. Even worse, if you’re working from their premises or using their equipment, someone could suffer an injury caused by you and you wouldn’t be covered by the client’s Public Liability insurance.

As a private contractor, please bear in mind whilst damage to property may only amount to hundreds of dollars, an injury that results in hospital treatment and, possibly, the client having to be absent from his or her work for an extended period of time, could result in a claim for thousands – maybe a lot more if the accident were to lead to someone being permanently incapacitated. Not to mention all the associated legal costs for which you could also end up liable for.

Put in those terms, you can easily see why having the right Public Liability and Professional Indemnity insurance makes a big difference to doing business. If you require a Public Liability insurance online quote then visit our quote calculator. We offer quick and easy online quotes in just seconds and can have you fully covered in minutes.

That is where isure can help.