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Business Insurance Articles

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

Navigating Public Liability Insurance for Event Organizers: A Must-Read Guide

Event organizing can be an exhilarating adventure, teeming with creativity and collaboration. However, with the buzz of activity and the gathering of crowds comes a significant responsibility to ensure the safety and well-being of attendees, staff, and the venue itself. This is where Public Liability Insurance becomes a pivotal part of an event organizer's toolkit. - read more

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

Understanding Public Liability Insurance for IT Consultants: Risks and Mitigation

Public Liability Insurance acts as a shield for businesses, and for IT consultants, it's a safeguard against the unforeseen legal costs and compensation payments arising from third-party claims. As professionals who offer expert advice and services, IT consultants face unique risks that can lead to liability claims. Having public liability insurance not only provides a financial safety net but also serves as a testament to the consultant's responsibility and professionalism. - read more

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

Insurance News

Upcover Unveils Comprehensive Management Liability Insurance for Australian SMEs

04 Nov 2025: Paige Estritori

Sydney-based insurtech company Upcover has launched a new management liability insurance product designed specifically for small and medium-sized enterprises (SMEs) and sole traders across Australia. This offering aims to provide comprehensive protection against a range of risks, including employment disputes, official investigations, tax audits, financial crimes, statutory liabilities, and allegations of legal breaches. - read more

APRA Data Shows Stability in Professional Indemnity Claims Amid Declining Premiums

04 Nov 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has released its latest National Claims and Policies Database (NCPD) report, providing insights into the professional indemnity (PI) insurance sector. The data indicates that while claims payments for non-facility business remained relatively stable at $1.111 billion in the 2022 underwriting year, there was a notable 6% decline in gross written premiums, which fell to $2.775 billion from the previous year's $2.954 billion. - read more

ICA Advocates for Overhaul of Civil Liability Laws to Curb Rising Insurance Premiums

27 Oct 2025: Paige Estritori

The Insurance Council of Australia (ICA) has recently released a white paper highlighting the urgent need for reforms to state and territory civil liability laws, which have remained largely unchanged for nearly 25 years. These outdated laws are contributing to significant increases in public liability insurance premiums, affecting a wide range of businesses across the nation. - read more

APRA Data Shows Significant Rise in Public Liability Insurance Premiums

27 Oct 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has released its latest National Claims and Policies Database (NCPD) statistics, revealing a substantial increase in public liability insurance premiums over recent years. According to the data, premiums have risen by 40% since 2015, a rate that surpasses general inflation and places additional financial strain on businesses across the country. - read more

Live Music Venues Struggle with Escalating Insurance Premiums

27 Oct 2025: Paige Estritori

Australia's live music industry is facing unprecedented challenges due to soaring public liability insurance premiums, prompting calls for government intervention to prevent the collapse of this vital cultural sector. Venue operators and festival organizers report that insurance costs have quadrupled since the lifting of pandemic restrictions, with some premiums increasing from $10,000 to $40,000 solely due to the inclusion of live music events. - read more

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Knowledgebase

Peril:
A specific risk or cause of loss covered by an insurance policy, such as fire, theft, or flood.

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