Compare online quotes for public liability insurance in the NT here with Savvy today.
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Whether your business is situated in Darwin, Katherine or Tennant Creek, you may need to consider public liability insurance if you have any dealings with members of the public. This type of insurance can protect your business against a range of covered events that may lead to costly personal injury or property damage claims.
You can compare public liability insurance offers from trusted business insurance companies with Savvy. Just answer a few simple questions about your business and the insurance you’re looking for and you’ll have a variety of quotes to consider instantly. Start the process with a free quote today.
Public liability insurance is a form of business insurance which can offer your business protection in the event of claims of injury or property damage as a result of negligent business activity. It can cover the cost of defending your business against a personal injury or damages claim and compensation awarded to a successful litigant up to your agreed cover limit (however, all coverage is subject to your insurer’s terms and conditions).
Cover is available for amounts of $5 million, $10 million and $20 million, which can give you the freedom to choose which is best suited to your business’ needs and will most appropriately cover the risks it faces.
You can get a range of insurance quotes quickly and easily here through Savvy. By completing a free, no-obligation quote, you can compare offers from some of Australia’s leading insurers.
Public liability insurance is designed to offer protection to businesses against a range of negligence claims. This cover can include:
It’s important to bear in mind that all insurance policies and their coverage are subject to eligibility criteria and terms and conditions, so you should check your policy’s PDS carefully before choosing which insurance may be best for your Territory business.
What is not covered by public liability insurance?
Some of the areas which generally aren’t included under a public liability insurance policy are:
The level of coverage your NT business may need will vary according to your situation. For example, if you’re a building contractor responsible for multiple sites, your level of cover is likely to be higher than a sole trader working in landscaping. However, all businesses which have contact with the public should consider some level of public liability cover. This includes:
There are several different aspects you should consider when comparing insurance policies with Savvy. These include:
All professions and occupations in Australia are classified on a scale according to how risky they are in comparison to others. For example, a home-based design business wouldn’t present the same public liability risk as a plumbing company. Therefore, the nature of your business will be a major determining factor in the cost of your insurance.
The size of your business, the number of employees you have (if any) and your turnover will all affect the cost of your public liability insurance. Naturally, the larger your company, the higher your premiums may be, due to the increased number of moving parts.
Where your business is located will also play a part in the cost of your insurance. In general terms, the cost of public liability insurance in the NT, Queensland and northern parts of WA is higher than the cost of public liability insurance in the ACT, for example, due to higher environmental costs of insuring businesses in cyclone-prone areas.
Most people have heard of a no-claims bonus, which is a bonus awarded to customers who don’t make a claim on their insurance. This often results in cheaper insurance for those who haven’t made an insurance claim in the past five years, as they may be considered at a reduced risk of making a claim compared to another business with a high claims rate.
The excess is the portion of any insurance claim that you’ll have to pay upfront if you need to claim on your policy. This can range from $200 up to $500 or more. In certain cases, with some insurers, you may not be required to pay an excess at all, though this will depend on their terms and conditions. In general terms, the lower the excess you choose, the higher your insurance premiums will be.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
