Small business owners have a responsibility to third parties – customers, employees, suppliers and the community; and third party property. Being held accountable for grievances can negatively impact your reputation and finances.
Most Insurers offer the option of $5 Million, $10 Million or $20 Million limit of indemnity within our Public and Products Liability cover. This cover aims to protect you for amounts which you are liable to pay for personal injury and property damage to third parties in connection with your business during the defined period of insurance.
Your selected Limit of Indemnity covers your business in the event that you become legally liable to pay compensation for personal injury and/or property damage, and will be covered if it occurs within Australia and as a result of an occurrence in connection with your business.
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
Libel, slander, defamation of character or invasion of the right of privacy, occurring during the period of insurance.
Actual physical loss of or physical destruction of tangible property
The loss of use of tangible property which has not been physically damaged but cannot be used due to physical damage to other tangible property which occurs during the period of insurance.
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