Is Public Liability Cover a Waste of Your Time? - Contractors Insurance Australia

August 10, 2015

What a waste of money, not to mention the time! That’s what you’re thinking about public liability insurance right? Is there really much point in paying for the expense year after year if you are good at your job and don’t even need to claim?

There actually is a lot of point in getting it. Think about how much of a loss you could experience if someone sues you for injuring them. Do you think your business would survive a multi-million dollar claim? Even if it can, would that loss make a dent to your finances? Best to be safe than fall under the financial pressure.

It might seem pointless, but trust us, we have seen many businesses lost to giant liability claims taking their toll due to no public liability insurance being in place. This is the last line of defence for you to protect your business as well as your personal assets and savings in the event of a claim against your business.

Regardless if you have done something wrong or not, if your business has a claim bought against it for damages to property or injury to a person, you still might have to defend the claim against you in court. And we guarantee that will cost you much more than the yearly premium.

Good public liability cover will ensure that your legal costs and payouts are covered if you do need to defend a claim. Many industries also require you to obtain public liability insurance should you want to enter their premises such as trades people and workers on construction sites.

Contractor Cover can help you in the case that someone tries to claim against you. The public liability insurance will assist to protect you financially in difficult situations. Contact Contractor Cover today for more information and advice regarding your public liability insurance now.

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness. You should also consider our disclosure documents, which include our Financial Services Guide (FSG) and Product Disclosure Statements (PDS) for some products.
*Retail clients are individuals or those purchasing an insurance product for use in connection with a small business where the product is a designated retail product (eg motor vehicle, home buildings, home contents, personal and domestic property, sickness and accidental and travel insurance). All other clients are wholesale clients.

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