Insights and Resources

Choosing the right Public & Product Liability insurance policy involves more than simply finding the lowest premium option. You also need to select a liability limit, which is the maximum amount the insurer may pay for covered claims, as set out in the policy wording.

Ask almost any self-employed tradie, creative, or consultant why they signed up for Public Liability (PL) insurance, and you’ll usually get the same honest answer: "Because a client forced me to send them a Certificate of Currency before I could start."

Running your own business means taking responsibility for more than the work you deliver. Whether you teach classes, meet clients, attend events, visit job sites or sell products, there is always a chance someone could claim your business caused injury or property damage.

When a customer, client or member of the public alleges injury or property damage connected to your business, the next steps you take can affect how smoothly the public liability claim is assessed.

When you work in graphic design in Australia, your day is focused on brand strategy, creativity and delivering great visuals.to bring a client’s vision to life. You may think your work is low risk, which is easy to do when you get lost in the creative process. After all, you’re not performing surgery.

When your business interacts with customers, clients or the public, you carry a level of responsibility for what happens during those interactions. Imagine your client visited your premises for a meeting, tripped over an unmanaged cord, fell and injured their wrist.

The peaceful environment of a yoga studio often masks the significant legal and financial risks that come with the territory. While your focus is on flow, mindfulness, and alignment, the reality of running a yoga business is that you are responsible for the physical and mental well-being of every person in that room.

It's tough out there from a litigation perspective. We know as a freelancer or sole trader that you really look after your customers.