Public liability insurance

As a Business owner you need the peace of mind knowing your business is protected in the event of a Liability claim.  At Insurance Rate Monitors we have over sixty (60) years of combined industry experience.  As a member of the Steadfast Group, we have access to market leading products from Australian authorised insurers and together with our experience make it easy for you to arrange your Public Liability Insurance.  Whether you are a single contractor or a large commercial cleaning business – we will search the market to find you a better rate on your Public Liability Insurance.

At IRM, we help tailor a custom Public Liability Insurance to suit your needs.

The limit of indemnity or sum insured, type of business, size and number of staff play a major role in the overall risk rating of your business which is used to calculate your annual insurance premium.  For example, a small cafe will have a lower risk rating compared to a larger restaurant or service station.

If you need assistance with reviewing your existing Public Liability Insurance or you have purchased a business and need help starting a policy that will comply with your lease.  As a member of the Steadfast Group, we have access to the majority of the insurance market including Lloyds of London.

Standard Broad form Liability / Liability Insurance policies are made up of the following Sections

Public Liability – with limits of $ 5,000,000 to $ 30,000,000 available for Public Liability Insurance.  Where you are negligent and legally liable as a result of your business occupation.  Helping to protect you against incidents such as bodily injury and damage to third party property, slip and falls and/or trip hazards.  In most cases, public liability cover is required under your lease agreement with your property owner.

Products Liability - with limits of $ 5,000,000 to $ 30,000,000 available for Products Liability Insurance.  Where you are negligent and legally liable as a result of your business to pay damages for an occurrence caused by an unknown defect in your Products.  Products can include anything or item including its packaging that was manufactured, grown, created, produced, constructed, extracted, sold, installed, serviced, repaired, supplied or distributed.

Contact us today to find out how we can help you find a better rate!