Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence.

Product Liability Insurance

If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage. Product liability insurance covers damage or injury caused to another business or person by the failure of your product or the product you are selling.

Policy Features

Price

Public Liability Insurance premiums are determined by your Occupation, Employee numbers and Turnover and all insurers charge a minimum premium in this regard.

We believe we have negotiated highly competitive Public Liability Insurance premiums, and will continue to monitor premium levels available in the market to ensure this remains the case.

Purpose

For your own protection you should have a minimum level of Public Liability Insurance (PL). In the event that you injure a third party or damage their property in the course of carrying out your business a claim against you could be significant. PL insurance will protect you in the event that this occurs.

Convenience

We have designed the Insurance application process so it only takes an average of 5 minutes to complete your application. In most cases your application will be instantly approved online, and you can print your Confirmation of Insurance to prove to clients and prospects that you have the requisite cover in place... It's that easy!! All other documentation, such as your tax invoice, policy schedule and wording will be emailed directly to you for your records.

If the policy can't be issued immediately because we require further information, we will contact you generally on the same day.

Renewal

Approximately one month prior to the renewal of your Public Liability Insurance policy you will receive a renewal reminder email with a link that will allow you to review your previous years cover and renew the policy even quicker!

* We have minimized the number of referral situations so that most applications will be automatically accepted. However, if you do have prior claims or provide services to high risk industries we will contact you to facilitate completion of your application personally with the Insurer.

Insurer

Your Public Liability Insurance policy is arranged by Express Insurance acting as an agent of Berkley Insurance Australia, a registered business name of Berkley Insurance Company (ABN 53 126 559 706) and part of the W.R.Berkley Corporation.

Berkley Insurance Australia underwrites a significant portfolio of general insurance business in Australia. They are fully authorised and regulated by the Australian Prudential Regulator Authority (APRA) which is the prudential regulator of the Australian financial services industry.

The financial strength rating of Berkley Insurance Australia is "A+ (Strong)" by Standard & Poor's.

Charitable Contribution

Animals Australia is Australia's foremost national animal protection organisation, representing some 40-member societies and thousands of individual supporters. Animals Australia has an unprecedented track record in investigating and exposing animal cruelty and for conducting world-first strategic public awareness campaigns.

"Animals Australia's vision is a world where all animals are treated with compassion and respect and are free from cruelty. We believe that we can create a kinder world for all by fostering respect for animals and that our treatment of animals reflects who we are as individuals and as a society."

Lodge a Claim

We will work with you to ensure that claims are handled in a professional manner and that you get a fair outcome from the Insurer. The first step is to lodge your claim as outlined below.

Please complete the claim form and email to australia@wrberkley.com