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Three types of liability insurance business owners need to consider

This post discusses the different types of liablity insurances any business owner needs to consider carefully. It’s important to be aware of how the cover works for each and the risk that your business may be exposed to if there is no cover or insufficient cover. Three types of liability insurance that a business owner should consider include public liability, product liability and professional indemnity insurance. Public Liability Insurance This type of insurance is particularly relevant for businesses that have customers or clients visiting their premises. Liability arises out of a duty of care to the public as the business has a responsibility for the safety of anyone on their premises. Public liability insurance covers you in the case of death or personal injury to a third party, loss or damage to property, or financial loss if you or your business are found to be negligent. If a claim is lodged against you or your business, public liability insurance will cover any costs and expenses associated with the claim, as well as any damages awarded to the third party. Product Liability Insurance Under Australia’s consumer laws there is a level of safety that consumers are entitled to expect and claims against products may arise when these standards are not met. Your business is liable for any product your business manufactures, distributes, supplies or sells. If for some reason the product is unsafe, harmful, defective or dangerous and causes injury, death or damage, you and your business may be held liable. Product liability insurance is designed to cover you if any of these things happen. Professional Indemnity Insurance Professional indemnity...