Compare online quotes for public liability insurance in Victoria here with Savvy today.
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Public liability insurance is vital for all businesses in Victoria which face the risks posed by dealing with members of the public. From Melbourne to Geelong, public liability insurance can protect businesses from claims that a third party was injured, or their property damaged as a result of your business activity, under a wide range of covered events.
Savvy can help you compare quotes for public liability insurance in Victoria by providing you with a range of online offers from some of Australia’s leading insurers. Just answer a few simple questions about your business and the insurance you need and you’ll have a range of competitive offers to compare instantly. Get started with a no-obligation quote through Savvy today.
Public liability insurance is a type of business insurance that may offer cover in case a member of the public is injured or suffers property damage, and claims that your business is responsible. No matter whether your business is in Bendigo or Ballarat, it can cover you against personal injury or damage claims due to a wide range of causes included in your policy.
Some personal injury compensation claims can run into millions of dollars, which is why public liability insurance comes in three levels of cover: $5 million, $10 million and $20 million. The level of coverage your business may require will depend on the type of business you run and the risks you face, so it’s important to assess your needs as an operator to determine where coverage is most important.
All coverage is subject to your insurer’s eligibility criteria and terms and conditions, so make sure you familiarise yourself with the inclusions and exclusions which relate to the insurance policy you’re considering.
You can get a range of online quotes for many types of business insurance, including public liability insurance, here with Savvy. You’ll be able to compare high-quality offers from some of Australia’s top business insurance companies when you complete your free online quote with us.
The following incidents may be covered by public liability insurance:
Any insurance you buy is subject to eligibility criteria and terms and conditions. When comparing policies, it’s important to read the product disclosure statement (PDS) which is provided so you know exactly what you’re buying. Compare policies side-by-side before deciding which policy may be the best one for your business.
What is not covered by public liability insurance?
There’s a range of items which usually fall outside the scope of public liability insurance. These may include:
It doesn’t matter whether your business is in a rural location like the Grampians or in a busy suburb like Brunswick, any company that has contact with members of the public should consider taking out public liability insurance. This includes:
All types of businesses face certain risks if they have any dealings with members of the public. Personal injury or damages claims can be very expensive, which is why you should consider if public liability insurance is right for your business.
There are several aspects of insurance you should compare when you’re deciding between two or more policies. Consider the following when comparing:
Naturally, if you require $20 million worth of cover, your costs will be higher than if you only require $5 million worth of cover.
The state your business is located in, and whether you’re in a rural or city location, can influence the cost of your insurance. For example, the cost of public liability insurance in the Northern Territory may be higher than the cost of such insurance in Melbourne because of the additional risks posed by cyclones in tropical regions of Australia.
The size of your business and the number of people you employ (if any) are also taken into account when quoting a business for insurance coverage. Businesses with more moving parts will generally pay more for their insurance than smaller organisations.
All industries and occupations in Australia are allocated a risk ratio, which describes how risky that type of business is in comparison to others. Businesses which are known to pose higher risks in terms of public liability (such as roofing contractors) are likely to find their insurance is more expensive than businesses which pose fewer risks in the same area (such as graphic designers).
A higher excess amount (such as $500 per claim, as opposed to $200) will usually result in cheaper premiums.
If you have a clean insurance history with no claims made in the past five years, the cost of your insurance is likely to be lower than a policy offered to a business with a recent record of claims.
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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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© 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.
