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Understanding the Role of Public Liability Insurance Brokers for Your Business

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Public liability insurance brokers are experts who help businesses find the right insurance coverage. They understand the risks that businesses face and help them get the insurance they need to protect themselves. With public liability insurance, businesses are protected if someone gets hurt or their property is damaged.

It’s important to work with a public liability insurance broker because they can help businesses choose the right insurance coverage for their specific needs. Brokers can also help businesses understand the insurance process and manage any claims that may arise. By working with a broker, businesses can have peace of mind knowing they are protected in case of an accident or injury.

What is Public Liability Insurance and Why Do You Need a Broker?

Public liability insurance is a type of insurance that provides protection for a business against claims made by third parties for injury or damage. It covers legal liability arising from negligence that results in property damage or personal injury during the course of business activities. Public liability insurance helps protect your business from financial losses that may occur due to unexpected events.

A public liability insurance broker plays a crucial role in helping you navigate the complex world of insurance. They have access to a wide range of insurance products and can help tailor a policy to suit your specific business needs. Brokers can gather quotes from different insurers, compare coverage options, and negotiate on your behalf to ensure you get the best possible insurance cover at a competitive price.

Using a broker for your public liability insurance needs offers numerous benefits. Brokers work for you, not the insurer, and their primary goal is to protect you and your business. They provide expert advice, help assess your risks, and ensure you have adequate insurance coverage in place. Brokers also assist in handling claims and ensuring a smooth claims process in case of any incidents.

 What Does Public Liability Cover?

Public liability insurance is designed to protect businesses from the financial risk of liability claims. This type of insurance covers the business’s liability to third parties for injury or damage to property. Product liability insurance is a specific type of coverage that protects businesses from liability claims related to their products.

A public liability policy can be tailored to meet the specific needs of a business, and an insurance broker can help in finding the right insurance quote. While public liability insurance isn’t mandatory, it is highly recommended for businesses to have this coverage to protect themselves financially.

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Public liability insurance typically covers a range of scenarios, including slip and fall accidents, property damage, and personal injury. For example, if a customer slips and falls in your store and sustains an injury, your public liability insurance may cover the cost of their medical bills and any legal fees associated with the incident. Similarly, if an employee accidentally damages a customer’s property while on the job, your public liability insurance may cover the cost of replacing or repairing the damaged item.

By contacting an insurance broker today, businesses can ensure they have the appropriate public and product liability insurance in place to safeguard their operations.

What is not covered in public liability insurance?

Public liability insurance can help to protect a business against the financial risk of public liability claims made by a member of the public for damage or injury caused by the business. This type of insurance helps protect your legal liability to third parties, ensuring that if you are found legally liable, you are not liable to pay compensation out of your own pocket. However, there are certain things that are typically not covered in public liability insurance. 

One common exclusion is intentional acts or deliberate harm caused by the insured party. This means that if a business intentionally causes harm or damage, it would not be covered under public liability insurance. Similarly, criminal acts or illegal activities are generally not covered, as insurance is designed to protect against unforeseen accidents or incidents, not intentional wrongdoing.

Another key exclusion in public liability insurance is damage to property in the care, custody, or control of the insured. This means that if a business is responsible for someone else’s property and it gets damaged while in their care, it may not be covered under public liability insurance. Additionally, contractual liabilities, such as breaches of contract or failure to deliver services as promised, are typically not covered.

If you are unsure about what is covered under your policy, it is always best to contact us to speak with one of our underwriters and clarify any questions you may have.

Examples of Public Liability Insurance Claims

Public liability insurance is a crucial aspect of protecting businesses from financial losses due to accidents or incidents that result in third-party property damage or personal injury. This type of insurance coverage can provide compensation to individuals who suffer harm or loss due to the actions or negligence of a business or its employees. Here are some examples of public liability insurance claims that highlight the importance of having this coverage:

  1. Slip and Fall Accidents: One of the most common types of public liability claims involves slip and fall accidents. These occur when a customer or visitor slips, trips, or falls on a business’s premises due to wet floors, uneven surfaces, or other hazards. Public liability insurance can cover the medical expenses and lost wages of the injured party, as well as any legal fees that may arise from the incident.
  2. Product Liability Claims: Businesses that sell or manufacture products can be held liable for any injuries or damages caused by their products. For example, if a customer becomes ill or injured after consuming a defective food product, the business can be sued for damages. Public liability insurance can cover the costs associated with product liability claims, including legal fees, settlements, and medical expenses.
  3. Property Damage Claims: Public liability insurance can also cover property damage claims that result from accidents or incidents on a business’s premises. For instance, if a customer’s car is damaged in a parking lot due to poor lighting or inadequate signage, the business can be held liable for the repairs. Public liability insurance can cover the costs of repairing or replacing the damaged property, as well as any legal fees associated with the claim.
  4. Injury to Third Parties: Public liability insurance can also provide coverage for injuries sustained by third parties on a business’s premises. For example, if a delivery person is injured while making a delivery due to unsafe conditions on the property, the business can be held liable for their medical expenses and lost wages. Public liability insurance can cover these costs, as well as any legal fees that may arise from the incident.

Does using a public liability insurance broker save money?

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Public liability insurance brokers can help business owners find the best insurance options to protect their business from risks associated with business activities. By working with insurers and underwriters throughout Australia, brokers can provide tailored insurance that suits the specific needs of small business owners and sole traders.

Utilising a public liability insurance broker can help to save money by finding the most cost-effective coverage that still provides adequate protection for your business. In the event that you are found liable for damages caused by your business, having the right insurance in place can protect you from financial burden, as well as any compensation payment you are found responsible for.

Whether you are based in Perth, Brisbane, or anywhere else in Australia, a public liability insurance broker that specialises in different business industries can help to protect your business from risks unique to your operations. 

Getting the Right Insurance Cover

When selecting public liability insurance, consider factors such as the nature of your business activities, the level of risk involved, the size of your business, and the potential exposure to liability claims. Assess the coverage limits, exclusions, and additional options available to tailor the insurance policy to your specific needs.

To get a quote for your public liability insurance coverage, reach out to a reputable insurance broker who specialises in business insurance. Provide them with details about your business operations, the risks you face, and the level of cover you require. The broker will then gather quotes from insurers, explain the coverage options, and help you make an informed decision.

Having adequate public liability insurance cover is crucial for protecting your business from unforeseen circumstances. In the event of a claim for property damage, personal injury, or financial loss by a third party, insurance cover can help mitigate the financial impact on your business. Adequate protection ensures that you can continue your business operations without significant interruptions due to liability claims.

 Protecting Your Business with Professional Indemnity Insurance

Professional indemnity insurance safeguards your business against claims of professional negligence, errors, or omissions that result in financial losses for clients. It covers legal liability arising from providing incorrect advice or services that lead to financial harm. This type of insurance is vital for professionals such as consultants, accountants, and architects who provide specialised services.

Professional indemnity insurance protects your business by covering the costs of legal defence, settlements, or judgments in case a client sues for financial losses. It provides peace of mind knowing that your business is protected in the event of a claim related to professional services rendered. This insurance ensures that your business can continue operating even when faced with legal challenges.

While professional indemnity insurance offers valuable protection, it’s essential to be aware of any exclusions in the policy. Common exclusions may include deliberate acts, fraudulent behaviour, criminal acts, or claims arising from services not covered by the policy. Understanding these exclusions helps you assess your risks and take additional measures to mitigate potential liabilities.

Dealing with Liability Claims and Risks

Managing liability claims is a critical aspect of protecting your business from financial risks. Promptly reporting any incidents, maintaining detailed records, and cooperating with insurers during the claims process are essential steps in managing liabilities effectively. By taking proactive measures, you can safeguard your business against potential financial losses resulting from liability claims.

Brokers play a pivotal role in safeguarding your business against financial risks by providing expert advice on insurance coverage options. They help you assess your risks, identify vulnerable areas, and recommend appropriate insurance products to mitigate potential liabilities. By working closely with a broker, you can enhance your business’s resilience to unforeseen events that may lead to liability claims.

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Business activities carry inherent risks of liability claims from third parties, including customers, suppliers, or visitors to your premises. Public liability insurance helps protect your business by covering legal liabilities arising from such claims, including personal injury, property damage, or financial losses. By having adequate insurance cover in place, you can confidently conduct your business operations without fearing unforeseen liabilities.

Who are subcontractors and why should you disclose subcontractor usage to your public liability insurance broker?

Subcontractors are individuals or companies that are hired by a primary contractor to perform specific tasks or services as part of a larger project. They are commonly used in industries such as construction, manufacturing, and service provision, where specialised skills or resources are required to complete a project. Subcontractors are typically not considered employees of the primary contractor, but rather independent contractors who are responsible for their own insurance and liability coverage.

Disclosing subcontractor usage to your public liability insurance broker is essential for several reasons. Firstly, it ensures that your insurance coverage is comprehensive and accurately reflects the scope of your business operations. If you fail to disclose subcontractor usage and a liability claim arises involving a subcontractor, your insurance provider may deny coverage or seek to recover costs from you. By disclosing subcontractor usage, you can ensure that your insurance policy covers any potential liabilities that may arise from their work.

Secondly, disclosing subcontractor usage can help you secure more favourable insurance rates and terms. Insurance providers may view subcontractors as a higher risk than direct employees, due to their independent status and potential lack of insurance coverage. By disclosing subcontractor usage, you can demonstrate to your insurance broker that you are taking a proactive approach to managing risk and ensuring that all parties involved in your projects are adequately insured. This can help you secure more comprehensive coverage at a lower cost.

Finally, disclosing subcontractor usage is a legal requirement in many jurisdictions. Failing to disclose subcontractor usage can result in fines, legal action, and damage to your business reputation. By working with a trusted public liability insurance broker and disclosing all relevant information about your business operations, you can ensure that you are in compliance with all legal requirements and that your insurance coverage is tailored to your specific needs.

Choosing the Right Broker for Your Business

Working with a public liability insurance broker offers several benefits for your business. Brokers have industry expertise, access to multiple insurers, and can negotiate competitive rates on your behalf. They provide personalised service, tailored advice, and ongoing support to ensure your insurance needs are met efficiently. Brokers act as advocates for your business, helping you navigate the complexities of insurance and making informed decisions.

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When selecting a broker for your business insurance needs, consider factors such as their experience, reputation, range of services offered, and ability to understand your specific requirements. Look for a broker who demonstrates commitment to customer service, responsiveness to your inquiries, and transparency in explaining insurance terms and coverage options. A trustworthy broker will prioritise your best interests and work towards securing the most suitable insurance cover for your business.

Expert broker advice can significantly enhance your business insurance coverage by ensuring that you have adequate protection against potential risks. Brokers assess your unique business needs, recommend appropriate coverage options, and assist in customising insurance policies to address specific liabilities. Contact us at HMD Insurance to optimise your insurance coverage, minimise gaps in protection, and safeguard your business from unforeseen events.


A: Public Liability Insurance Brokers are professionals who specialise in helping businesses find the right public liability insurance cover to protect them in the event they are held liable for compensation due to their business activities.

A: You need a Public Liability Insurance Broker to ensure that you have the appropriate public liability insurance cover that protects you in the event of a claim. Brokers can help assess the financial risk of liability claims and recommend the best policy for your business.

Worker to worker cover is a type of insurance that provides public liability insurance to protect your business from potential risks and liabilities that may arise due to your business activities. The coverage can vary significantly depending on the policy you choose. In the event that an incident occurs, including with clients or other employees, having worker to worker cover can be crucial in growing your business.

A: Brokers can help by understanding your business activities and assessing the potential risks involved. They can then recommend the right level of cover to protect your business against claims that may arise as a result of your business.

Subcontractors are individuals or companies hired by a main contractor to perform specific tasks on a project. They work under the supervision of the main contractor and are often hired for their expertise in a particular area. Subcontractors can work on a variety of projects, including residential and commercial construction.

Subcontractors may need public liability insurance to protect themselves in case of accidents or damages while working on a job. This coverage can provide financial protection in situations where subcontractors may be held liable for injuries or property damage. Not having public liability insurance could result in costly legal expenses and potential loss of business.

It is important to inform your insurance broker about subcontractors in order to ensure that they are covered under your policy. Not disclosing this information could potentially result in your coverage being voided.

A: Product liability insurance is a type of business insurance that covers the compensation costs if a person or property is harmed as a result of a product you sold or supplied.

A: Public liability insurance covers your business against claims for personal injury or property damage that occur on your premises or as a result of your business activities. Product liability insurance specifically covers claims related to products you sell or supply.

A: It is important to understand the policy wording of your insurance to know what is included and excluded from your cover. This will help you trade with confidence knowing the extent of your protection.

A: You can call us on 1300 622 531 to get a quote for public liability insurance tailored to your business needs. Our brokers work with leading insurers to find the right policy for you.

A: Having public liability insurance is beneficial for various business types as it protects them from potential compensation claims that may arise from incidents that occur in the course of their business operations.

A: You should contact us for public liability insurance advice as we specialise in helping businesses navigate the complexities of insurance and ensure they have the right cover to protect their interests.

Sharon Bae (shazbae)
Sharon Bae (shazbae)
Glenn from HMD Insurance spent time to understand my business in order to obtain the right insurances for my business. I was very impressed with how knowledgeable he is and the way in which he explained the options so that it was easy to understand. Very impressed and recommend highly!
Brett Parker
Brett Parker
Glenn is a pleasure to deal with and always the client's best interests in mind when providing insurance solutions.
Melissa Duck
Melissa Duck
My experience with HMD Insurance has been nothing short of exceptional. David was easy to work with, handling all of my questions with expertise and unwavering professionalism. I really appreciated David's attention to detail and clear communication every step of the way.
Asmarina Store
Asmarina Store
HMD Insurance had excellent customer service. The were extremely helpful to get us retail business insurance cover better than others. 5 star customer service!
Lorenzo Gonzalez
Lorenzo Gonzalez
Glen is easy to work with and got us better rates than the our previous brokers.
Nick Bendel
Nick Bendel
A big thank you to David and the HMD Insurance team for organising several insurance policies for my company, Hunter & Scribe. You provided expert advice, patiently answered all my questions, and then, once I'd chosen my policies, moved very quickly to ensure my company was able to hit a particular deadline. Thanks to your great service, I knew I was in safe hands from the moment we started working together. I look forward to you handling my company's insurance needs for years to come.

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