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Public & Products Liability

Q. Could your business survive being sued over personal injury to a customer relating to your business premises, or as a result of products which were sold/supplied to them?

A. Protect against this risk by including Public and Products Liability cover in your Allianz Office Pack

Liability claims are of major concern to business owners. Whenever a person operates a business they have the potential to injure third parties or damage other peoples’ property.

Injury or damage may be caused by:

Having hazards on your premises; and/or

Taking hazards to your clients’ premises

Any of these has the potential to result in a claim for damages and/or incur significant costs in defending an action.

Public and Products liability covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business.

What is Covered?

Features and Benefits

Options

Examples of events which are covered include:

A client having an accident whilst visiting your premises as well as when you are visiting their premises
Damage you may cause to clients property while you are visiting their premises
Personal injury to people using products supplied by your business

Personal Injury includes:

Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
False arrest, wrongful detention or imprisonment, and malicious prosecution
Wrongful eviction
Assault or battery; and
Libel, slander, defamation of character or invasion of the right of privacy.

Property Damage includes:
Actual physical damage to tangible property; and The loss of use of tangible property which has not been damaged but cannot be used due to damage to other tangible property Up to $25,000 cover is provided for damage to property whilst in your business’ physical or legal control.

A choice of $5,000,000, $10,000,000 or $20,000,000 Sum Insured is available

The information provided above is intended as a summary only. For full details of cover, conditions and exclusions relating to Allianz Office Pack, please refer to the

product disclosure statement.

Allianz Australia

Best General Insurance Company of the Year 2010*

General Insurance Company of the Year 2009+

Call us on 13 1000

Small Business Insurance

Public & Products Liability