Public Liability Insurance In Rockhampton 

Public Liability Insurance for Rockhampton businesses 

Rockhampton is home to over 5,600 small businesses¹ in 2024, if you are one of these business owners, business insurance may be something you have thought about to help your business thrive. 

Like many small business owners, businesses in Rockhampton each have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property. 

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities. 

Most Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage. 

Even the most careful businesses run the risk of injuring someone or damaging something during their operations. Chances are, like many other small businesses in Rockhampton, if you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees (including defence costs) could potentially send you out of business. That’s why you could consider Public Liability insurance to provide the financial protection your business deserves. 

What does Public Liability insurance cover?  

Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business activities. It also covers claims for damage to property owned by a third party as result of your negligent business activities. It’s clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public Liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with a covered claim. 

The following activities are typically not covered by a Public Liability insurance policy: 

• Injuries to your employees 
• Damage to your own property 
• Costs of rectifying faulty workmanship 
• Professional negligence 
• Contractual liability 
• Motor vehicle claims 
• Events occurring before or after the policy period