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.

Public & Products Liability Insurance | Business Insurance

Q: Can I pay my premiums by the month?

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers. For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible. You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

Q: 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.

Q: How do I make a claim?

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

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.

Why is this cover important?

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.

Broader protection & 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.

First Peoples Insurance is a 100% Aboriginal-owned, full-service insurance broker, not a product seller. We partner with you to understand your risks and design tailored insurance brokering solutions that evolve with your needs.

We have access to a large range of quality insurers and policies to ensure you obtain the best possible coverage.

Our claims team has years of experience and expertise in successfully managing complex and difficult claims.

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 First Peoples Insurance’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.

Frequently Asked Questions for Public & Products Liability Insurance

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.

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers.

For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible.

You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

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.

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