Why is Public Liability insurance important?

Public Liability is very important to any business that comes into contact with the public.  Normal indemnity limits range from $5,000,000 to $20,000,000 and above, and the policies cover any damage to third party property or injury to a third party during the course of normal work. 

Public Liability claims in Australia are common and the costs can be huge.  Without a valid Public Liability policy in place, one incident of third party property damage or personal injury could mean the end of a business.

For more information on Public Liability insurance for your business, call the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

What are the insurance must-haves for bricklayers?

 

A bricklayer’s primary must-have policy is Public Liability, which covers third party personal injury or damage to property during the course of their manual labouring work. 

 

Bricklayers should also consider insuring their Tools of Trade anywhere in Australia.  A good Tools of Trade policy will include theft from the open air and theft from unattended motor vehicles which is a common occurrence in the construction industry.

 

Workers Compensation insurance must also be taken out for any bricklayers with employees.  Bricklayers should also include any sole trader subcontractors who work for them, under their Workers Compensation policy, as sole traders are not able to obtain Workers Compensation for themselves.

 

There's a lot to think about!  For more information, or an obligation free insurance review of your business, contact the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au

 

 

Why is Workers Compensation so important?

Workers Compensation is vitally important, first and foremost because it is a legal requirement in Australia.  It’s also very important because it provides protection for your company’s employees in the event of a work-related illness or injury.  The cost of the injured worker’s medical expenses and replacement income does not have to be met by the employer if they have a valid Workers Compensation policy in place.

If you've got employees, it is your legal responsibility to ensure you have Workers Compensation insurance.

Westralian Insurance is here to help!  We take the time to fully understand your business and subsequent insurance requirements.  Call us today on (08) 9302 1388, or visit www.westralianinsurance.com.au