Public Liability Broker – Guarding Against Third-Party Claims
Public Liability Broker – Guarding Against Third-Party Claims
Blog Article
If a customer slips on a wet floor, or a subcontractor is injured on-site, public liability insurance covers legal costs and compensation. It’s vital for any business dealing with people, property, or public space. A specialist public liability broker ensures your policy matches your risk level and industry.
What Public Liability Covers
- Injury to third parties
- Property damage caused by your business
- Legal defence costs
- Compensation payouts
Who Needs It?
- Tradespeople
- Retail and hospitality venues
- Contractors
- Event organisers
- Consultants and freelancers
Common Coverage Levels
Policies usually start at $5 million, with $10 million and $20 million being common for higher-risk industries like construction.
How a Broker Adds Value
- Identifies your exposure level
- Tailors cover limits
- Minimises exclusions
- Ensures compliance with contracts or council requirements
Case Study: Local Electrician
An electrician caused smoke damage to a client’s home. The broker-arranged policy paid out $15,000 in repairs. Without cover, it would have sunk the business.
HMD's Advantage
We arrange liability cover for high-risk sectors like construction, gig economy work, and trades. HMD compares leading insurers to secure the most competitive terms.
Conclusion
Accidents happen. With HMD as your broker, you’ll be protected when they do—without overpaying.