Do I need Public Liability insurance if I work from home?

If your business involves interactions with clients, suppliers, or the public, even if it's based at home, public liability insurance is still recommended to protect against potential claims for injury or property damage that may occur on your premises or as a result of your business activities.

Even if you work from home, it's important you and your business are fully protected, with a tailor made insurance package and claims support at the ready. 

Call the friendly team at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Are there any exclusions or limitations to Public Liability insurance?

Common exclusions or limitations may include claims arising from deliberate acts, criminal activities, contractual liabilities not covered by the policy, and certain high-risk activities or locations.  It's essential to review your policy documents carefully to understand what is and isn't covered.

Our team at Westralian Insurance would love the opportunity to chat to you about your business insurance, and answer any questions you may have.  Our knowledgeable and fully qualified team know the questions to ask, to ensure your business is fully protected, as well as answer any questions or queries you may have.

Give Westralian Insurance a call today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

How can I lower the cost of Public Liability insurance?

You can lower the cost of Public Liability insurance by implementing risk management practices to reduce the likelihood of incidents, choosing a higher deductible (excess), and comparing quotes from multiple insurers to find the most competitive rates.

Westralian Insurance can help!  Give the team a call today and have an obligation free chat with our fully qualified insurance brokers.  They will take the time to understand your business, and strive to find the best insurance solution to meet your requirements, no matter what type, size or age of your business.

Give the team a call today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What is the difference between Public Liability insurance and Professional Indemnity insurance?

Public Liability insurance covers claims for injury or property damage caused to third parties as a result of your business activities, whereas Professional Indemnity insurance covers claims arising from professional advice or services you provide that result in financial loss to a client or other third party.  

If you own a small to medium business, it's worth speaking with an insurance broker regarding your business requirements.  Westralian Insurance is here to help, so give the local team a call today.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

How much public liability insurance do I need?

The amount of coverage you need depends on factors such as the size and nature of your business, the level of risk associated with your activities, and any contractual requirements from clients or regulatory bodies.  It's essential to assess your specific risks and consult with an insurance advisor to determine adequate coverage limits. Typical limits of cover are $5 million, $10 million and $20 million.

For professional advice from a fully qualified insurance broker, call the team at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au