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Business Insurance Articles

The Business Owner's Guide to Calculating Adequate Public Liability Coverage The Business Owner's Guide to Calculating Adequate Public Liability Coverage
For any business owner, navigating the waters of legal and financial protection can be daunting. Public liability insurance is a lifeboat in this respect; by understanding its basics, businesses can better shield themselves against the unpredictable tides of liability claims. As a starting point, public liability insurance is designed to protect businesses in the event that a third party suffers an injury or property damage due to the business's operations. - read more
Common Public Liability Risks You Might Be Overlooking Common Public Liability Risks You Might Be Overlooking
Public liability insurance is a critical form of coverage that protects businesses against claims of injury or damage caused by their operations to members of the public. Its primary purpose is to cover legal costs and compensation payments, which can otherwise cripple a business financially. - read more
The Difference Between Public Liability and Other Insurances Explained The Difference Between Public Liability and Other Insurances Explained
Public liability insurance is designed to protect businesses against claims made by the public for injuries or damages that occur in connection with the business operations. It covers legal fees, medical expenses, and compensation costs that may arise if a customer or a member of the public is injured or property is damaged as a result of the business activities. - read more
How to Choose the Right Public Liability Insurance Policy for Your Business How to Choose the Right Public Liability Insurance Policy for Your Business
When it comes to running a business, safeguarding your financial well-being against unforeseen events is crucial. Public Liability Insurance (PLI) is designed to protect your business from the financial risks associated with claims of property damage, personal injury, or death caused to third parties due to business activities. Understanding this shield of security is the first line of defense in a world where accidents and mishaps are not just possible but often probable. - read more
Understanding Public Liability Insurance: A Must-Have for Aussie Businesses Understanding Public Liability Insurance: A Must-Have for Aussie Businesses
For any Australian business, the unforeseeable mishaps that can occur daily pose potential risks not only to operational continuity but also to financial stability. At the core of a strategic risk management plan lies the essential protective layer of public liability insurance, a shield safeguarding businesses from the legal and financial repercussions of accidents and injuries that may happen on their premises, or as a result of their operations. - read more
Essential Public Liability Coverage for Gym and Fitness Center Owners Essential Public Liability Coverage for Gym and Fitness Center Owners
Running a gym or fitness center comes with unique responsibilities, especially when it comes to providing a safe environment for clients. In this dynamic space, where individuals engage in activities that may pose risks, it is imperative for gym owners to understand the importance of public liability insurance. This type of coverage is a cornerstone for safeguarding your business against claims arising from accidental injuries or property damage to third parties. - read more
A Beginner's Guide to Public Liability Insurance: Protecting Your Business A Beginner's Guide to Public Liability Insurance: Protecting Your Business
Imagine you own a cozy café where people flock for their morning coffee and a slice of solace. Now picture a customer slipping on a wet floor and sustaining an injury. Incidents like this, as unfortunate as they are, can occur in any business setting and often result in legal claims that can be financially draining. This is where public liability insurance becomes a cornerstone for safeguarding your business. - read more
Top Mistakes to Avoid When Choosing Public Liability Coverage Top Mistakes to Avoid When Choosing Public Liability Coverage
Public liability insurance stands as a crucial safeguard for businesses, shielding them from the financial repercussions of legal claims. These claims can arise when members of the public suffer damages or injuries in connection with a business's operations. Understanding the basics of this coverage is not just a matter of legal compliance for many businesses, but a proactive step in asset protection. - read more
Understanding Public Liability Insurance: A Must-Have for Aussie Businesses Understanding Public Liability Insurance: A Must-Have for Aussie Businesses
For any Australian business, the unforeseeable mishaps that can occur daily pose potential risks not only to operational continuity but also to financial stability. At the core of a strategic risk management plan lies the essential protective layer of public liability insurance, a shield safeguarding businesses from the legal and financial repercussions of accidents and injuries that may happen on their premises, or as a result of their operations. - read more
Why Retail Store Owners Can't Afford to Skip Public Liability Insurance Why Retail Store Owners Can't Afford to Skip Public Liability Insurance
As the owner of a retail store, you may not realize that the day-to-day interactions with customers and the public pose significant financial risks. Whether it's a customer slipping on a wet floor or a product causing harm, the threat of negligence claims is all too real. This is where Public Liability Insurance becomes not just a safety net, but a fundamental necessity for your business operations. - read more

Insurance News

Potential AI Errors: A Looming Challenge for Insurers Potential AI Errors: A Looming Challenge for Insurers
24 Apr 2025: Paige Estritori

Industry experts are signaling a potential risk for underwriters due to claims arising from inaccuracies produced by artificial intelligence (AI), likening it to the 'silent cyber' phenomenon of the past. Clyde & Co partner, Darryl Smith, highlights the issue, emphasizing how AI inaccuracies could impact various insurance policies, sometimes without immediate detection. - read more
AFCA Supports RAA Insurance in Vehicle Location Dispute AFCA Supports RAA Insurance in Vehicle Location Dispute
24 Apr 2025: Paige Estritori

An insurance dispute over the location of a vehicle culminated in the Australian Financial Complaints Authority (AFCA) backing RAA Insurance in their decision to deny a claim. The issue surrounded the policyholder's claim that her son’s car was stored in South Australia, while the vehicle was allegedly used and registered in Victoria. - read more
AFCA Sides with Homeowners in Landmark Insurance Dispute Over Property Cracks AFCA Sides with Homeowners in Landmark Insurance Dispute Over Property Cracks
22 Apr 2025: Paige Estritori

Homeowners recently secured a favourable ruling against their insurer after a water leak led to significant structural damage. After large cracks emerged on their property, Youi initially denied the insurance claim, attributing the damage to pre-existing issues like earth movement and tree root intrusion, both of which are exclusions in their policy. - read more
Climate Change Threatens Australian Suburbs with Unaffordable Insurance Climate Change Threatens Australian Suburbs with Unaffordable Insurance
17 Apr 2025: Paige Estritori

More than 4% of Australian properties are currently facing heightened risks from natural hazards exacerbated by climate change, rendering insurance coverage often unaffordable or unavailable, according to recent findings by Climate Valuation. An analysis of over 15 million properties across 15,000 suburbs also highlights that an additional 10% are at moderate risk from disasters such as floods, bushfires, tropical cyclones, coastal inundation, and extreme winds. - read more
Insurer Rejects Claim Over Diesel Fluid Mix-Up Insurer Rejects Claim Over Diesel Fluid Mix-Up
16 Apr 2025: Paige Estritori

A contentious insurance claim has ended unfavourably for a motor policyholder after her husband mistakenly poured diesel exhaust fluid into her car's fuel tank. Although the policyholder initially received assurances from a Suncorp representative that the use of AdBlue fluid wouldn't be considered improper fuelling – supposedly an excluded scenario under her policy – the claim was later denied. This decision has sparked debate around policy definitions and customer service communication. - read more

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