Public Liability Insurance

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The importance of Public Liability

As a small business owner you have a responsibility to third parties - customers, employees, suppliers and the community; and third party property. If you are held accountable for grievances, this can negatively impact your reputation and finances.

Allianz offers you a choice of cover options

Allianz has created a range of Public Liability solutions that offer choice and are easy to understand, and allow you to select the cover that is right for you. These options include Products Liability, which is often included when purchasing Public Liability cover and may be available in all Packs except the Office Pack.

Allianz offers you the option of $5 Million, $10 Million or $20 Million Limit of Indemnity within our Public and Products Liability cover. This cover aims to protect you for amounts which you are liable to pay for personal injury and property damage to third parties in connection with your business.

What is coveredYou select the Limit of Indemnity cover that you need for your business which covers you in the event that you become legally liable to pay compensation for personal injury and/or property damage. Coverage can be provided if it occurs within Australia, and overseas in certain circumstances, as a result of an occurrence in connection with your business.

What is Personal Injury Cover?

  • 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 (unless excluded)
  • Libel, slander, defamation of character or invasion of the right of privacy, occurring during the period of insurance.

What is Property Damage Cover?

  • Actual physical loss of or physical destruction of tangible property
  • The loss of use of tangible property which has not been physically damaged but cannot be used due to physical damage to other tangible property which occurs during the period of insurance.

Why choose Allianz for your Small Business Insurance

Fast

Our online system enables you to apply for the cover you need when you need it.

Easy

Our insurance experts can assist in explaining our cover options for you to choose from.

Next Steps