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    3. Public & Products Liability Insurance

    Public & Products Liability Insurance

    Public Liability insurance covers your business for claims arising from bodily injury or property damage suffered by a third party as a result of your business activities, whether it happens on your business premises or not.

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  • Why is this cover important?

    Public Liability insurance covers your business for claims arising from bodily injury or property damage suffered by a third party as a result of your business activities, whether it happens on your business premises or not.

    No matter the size of your business, Public and Products Liability claims can stretch into hundreds of thousands, or even millions of dollars. Accidents happen, and when things go wrong or even if you are not at fault you may still incur considerable legal costs just defending yourself.

    So do you have spare cash flow available to get the best legal advice to look after you and your most important asset – your business?

    Don’t assume you will be safe without Public Liability insurance just because you run a small business. Something as simple as a coffee spill over a client’s computer, or a loose nail causing a customer to trip whilst visiting your office, could cost you thousands if you’re uninsured.

  • Policy Cover Can Include

    With today’s complex legal world, and our day to day exposure to being held liable at any time for personal injury or death and /or damage to property, you need a quality Insurance program which includes a Public and Products Liability cover.

    • Legal costs and expenses

      Legal costs incurred in the defence or settlement of a claim.

    • Australia Wide Coverage

      Cover that extends throughout Australia

    • Products Liability Cover is available

      Protects against claims of personal injury or property damage caused by products sold or supplied through your business.

    • Medical Cover

      Medical expenses at the time of an incident.

  • Additional Cover

    Have you considered cover for other major incidents that can leave you out of pocket and interrupt your business?  E.g. Fire / Flood / Theft or Machinery Breakdown?  Don’t leave discussing these matters until it’s too late! Talk to us today so that we can do a full 360 Risk Management review for your business.

  • Why Us?

    When you take out a Public and Products Liability or a Business Insurance policy (incorporating Public and Products Liability), you will immediately have access to Citycover’s expert claims team for personal service on any claim (we work and represent you), and our experienced Advisers for advice on Risk Management.

      • We will compare multiple insurers to source the most competitive cover for you.
      • Flexible payment options available – monthly or annually.
  • FAQs

    Frequently Asked Questions for Public & Products Liability Insurance.

    • What are some examples where I will be covered?

      • If someone slips and falls, injuring themselves in your premises.
      • If you manufacture and sell a product that you do not realise is defective and someone is injured as a result of the defect.
      • If your job is to paint houses and your ladder slips and breaks a window.
    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • Do I need Liability Insurance for my business?

      The answer is 100% – YES. Absolutely yes. If you or your employees interact with other people whilst doing business in any way, shape or form then you need it. For example:
      Consultants/Contractors/ Tradespeople who work from home or visit their clients’ premises.

      Businesses that have an office, showroom, shop or any premises.

      ALL businesses that have interaction with customers or the public should have Public Liability insurance.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Chief Executive Officer

      Stewart Harker


      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

    • Citycover insurance brokers has handled our Public Liability, Business Equipment (including electronic), Motor Vehicle and Property Insurance for more than a decade. The personnel at Citycover, has always taken care of our insurance needs promptly and with the utmost professionalism. I have always felt that Citycover is one of the best in the field of insurance brokers.

      Domenique F
      Business Owner
      7th November, 2017