Public & Product Liability Insurance

SHC offers the very backbone of comprehensive insurance coverage whilst doing your job. Don’t buy inferior policies. Join many other clients and get peace of mind with SHC. Don't risk your house and other assets, by not having an adquate Public Liability Insurance Policy with an experienced insurnace broker who will deal with complicated claims and big insurance companies.

You are a Director in a small Accounting firm and one of your clients has just tripped on a computer cord in the interview room. The client has tripped and fallen on the desk awkwardly and the result is ugly. Who’s at fault? The client or your company for not adequately removing the potential danger. Either way you require a Liability policy to defend and/or pay out the claim.

Another example;
You are the owner of a small business that sells goods that you import from overseas. Under Australian law as an importer, you are deemed to be the manufacturer, therefore requiring Products Liability insurance. In the event of your goods causing any form of loss or destruction, without this type of insurance, you have no recourse but to pay for all court and damage costs from your own pocket.

When it comes to claiming it pays to have sourced your policy through a broker like SHC. If you buy a policy direct with an insurer and there is a dispute concerning paying a claim for which you have suffered a loss, you will not have an expert backing you. And potentially you could be holding the bag – and have to pay out some pretty dizzy numbers.

What is Public Liability?
Public liability is part of the law of tort which focuses on civil wrongs. An applicant (the injured party) usually sues the respondent (the owner or occupier) under common law based on negligence and/or damages. Claims are usually successful when it can be shown that the owner/occupier was responsible for an injury, therefore they breached their duty of care.

The duty of care is very complex, but in basic terms it is the standard by which one would expect to be treated whilst one is in the care of another. Once a breach of duty of care has been established, an action brought in a common law court would most likely be successful. Based on the injuries and the losses of the applicant the court would award a fnancial compensation package.

A simple example;
a Roofng Carpenter does not fnish all his joists in a day and some are still left on site over night. The next door neighbour’s child comes over to the site block to play, trips and hits their head on a left over joist – Public Liability claim. Who is at fault? The Roofer or the truckie that left them there, or someone else? In any event, needless to say you’re going to need a very good lawyer and if the child is legally successful – a very big bank account – or insurance. Your call, don't risk it - get peace of mind today with SHC.

SHC can also offer;
Online application and payment – 2 minutes from go to O, and BINGO – you’re covered. No other broker in Australia can offer this fast and simple live application. And its cheaper than calling us...
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