July 18, 2019

What are some of the things Public Liability doesn’t cover?

To answer the question of ‘what are some of the things Public Liability doesn’t cover’, let’s first recap what it would cover. First, legal costs in the defence or settlement. Second, loss or damage of property. Third, compensation for injury. If you are still a little unclear, take a quick […]
July 15, 2019

What does Public Liability Insurance cover?

As a business owner, you know there can be a lot of responsibility. This can range from cleaning the office work space to paying employees. However, there’s more to think about. For example, what if a client of yours suffers an accident on your premises? Are you financially prepared? Well, […]
July 10, 2019

Is Public Liability different from Product Liability?

Basically, Public or Product Liability Insurance is your first line of defence from financial loss. It should protect you against negligence that may injure a person or damage their property. Although, there is a key question that many ask. Is Public Liability different from Product Liability? Yes and no. Both […]
July 4, 2019

Who needs Public Liability Insurance?

Who needs Public Liability (PL) Insurance? Good question. Well, it’s recommended if you are self-employed, a contractor or own a business that requires customer or public interaction. Basically, any business which incurs risk in your business.  What do we mean by risks? Example 1: Let’s say you’re a plumber You […]
June 12, 2019

How much Professional Indemnity does a consultant or freelance professional need?

How much Professional Indemnity does a consultant or freelance professional need? Well, many consultants or contractors make the common mistake of thinking they are automatically covered under the principal’s professional indemnity policy. When we use the term ‘principal’, we’re referring to the company who engages the consultant to do the […]
April 30, 2019
What is the difference between Professional Indemnity vs Public Liability Insurance?

What is the difference between Professional Indemnity vs Public Liability Insurance?

I would love a dollar for every time I have been asked, “what is the difference between Public Liability & professional indemnity insurance”? Put simply, Professional Indemnity Insurance (also known as PI Insurance) covers losses arising from you providing professional services or advice to a client. If you are asking […]

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