Every business faces risks, whether you’re a tradie, café owner, or market stall operator. That’s where Public and Product Liability insurance come in. Together, they help protect your business if your work or products cause injury or property damage to someone else.

Public Liability and Professional Indemnity are two of the most common types of business insurance in Australia. They both cover compensation claims, but the main distinction is the types of events and risks covered.

As a small business owner, you may already hold Public Liability insurance*. But do you know exactly what your policy does and does not cover?

Just imagine: A phone call out of the blue. The caller has a voice you don’t recognise. He’s telling you he is hurt – badly – and you’re responsible. You hang up.

If you’re a sole trader or small business owner, you know how important it is to protect your work and your customers. Even when you take care, accidents can still happen. Without insurance, you could face large legal or compensation costs that might seriously affect your business.

Running a small or medium-sized business in Australia comes with exciting opportunities as well as certain risks. From customers slipping on your premises to accidental errors in professional advice, unexpected events can happen at any time.

From makeup artists to laser technicians, the beauty industry covers many different occupations.

Having complete control over your business is a wonderful thing, so it should come as no surprise that the sole trader route to business ownership is very popular in Australia’s small business owner community.