What is Public Liability insurance?

What would happen if a chair collapsed at your business, causing a client to fracture their hip? Or a patient slipped and fell in the waiting room? Whether or not the incident was caused by a direct failure on your part, you could be found liable. This is where public liability insurance could step in.

• What is Public Liability Insurance and how does it help?

Public liability insurance helps cover actual or alleged negligence caused either by you or your employees that results in bodily injury or property damage to a third party. That means if a client/patient files a claim against you regarding an injury they suffered due to negligence or an accident within your premises, this insurance could help cover you. Some examples include:

• Property damage

If you provide mobile services or meet clients offsite, public liability insurance could help cover potential property damages. For example, if you were to accidentally damage a client’s garage door while carrying your equipment, public liability insurance may provide cover.

• Slips and falls

In the event that a client/patient slips and falls on your premises, public liability insurance could offer cover.

• Who should have Public Liability insurance?

If you meet with clients at your business location or off-site, you may want to carry public liability insurance.

You may also want to have your own insurance as an employee. If, for example, a patient fell because you instructed them incorrectly, or you were not supervising them correctly, your public liability insurance could step in. Check your policy or speak to your broker or insurer if you have questions.

Apply For Public Liability Cover

Securing cover with BMS is easy! As long as you hold a current DHAA membership you can get a quote started.

Speak to a BMS broker at dhaa@bmsgroup.com or call 1800 940 762.

Disclaimer: In arranging this insurance for our members DHAA is acting as a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. The insurance is issued by BMS under a binder with Certain Underwriters at Lloyds. When acting under a binder BMS acts as an agent for the insurer and not as your agent. This is general advice only and BMS has not considered whether it was suitable for your personal objectives, needs or financial situation. Please read the Policy Wording and Financial Services Guide before making any decision about purchasing this policy.