Public Liability Insurance
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When is a Certificate of Currency issued for my Public Liability
Last Updated: May 27, 2025A Certificate of Currency is issued once your Public Liability policy is in place and the premium has been paid. This document serves as official proof that your cover is active. It is often required by councils, clients, trade bodies, or licensing authorities to confirm that you hold valid insurance. Once you confirm that payment has been made, usually by providing a receipt, we can issue the certificate to you as soon as it is received from the insurer (usually the same day).
What is the difference between Contract Works & Public Liability
Last Updated: June 19, 2025Contract Works Insurance protects the actual building or renovation project while it’s in progress. If the job site is damaged by a storm, fire, theft, or vandalism, this policy helps pay for the repair or rebuilding of the work. Public Liability Insurance doesn’t cover the work itself; it covers injury or damage to third parties that may occur during the job. For example, if a client trips on site or you accidentally damage a neighbouring property. For builders and contractors, both covers are usually essential. Public Liability takes care of third-party risks, while Contract Works protects the project you’re working on. See below for a visual overview of the differences in cover:
What is the difference between Professional Indemnity Insurance & Public Liability Insurance
Last Updated: June 19, 2025Professional Indemnity (PI) and Public Liability (PL) are both important insurance covers, but they protect you in different ways. Professional Indemnity Insurance covers claims that arise from the advice or services you provide, like an error in a report, a design flaw, or a breach of professional duty. This cover is essential for consultants, designers, engineers, and anyone offering professional expertise. Public Liability Insurance, on the other hand, covers injury or property damage caused by your business activities, like someone tripping over something in your office or damage caused to a client’s property during a site visit. In many cases, professionals will need both types of cover. Professional Indemnity protects your work, while Public Liability protects your day-to-day operations and activities.
What is Public Liability Insurance
Last Updated: June 19, 2025Public Liability Insurance covers you if someone is injured or their property is damaged as a result of your business activities. It’s one of the most common types of business insurance and is often required in contracts, leases, and licensing agreements. Whether a client trips and hurts themselves at your office or you accidentally damage a client’s property onsite, this policy helps cover legal fees and compensation costs. It’s especially important if you interact with the public, operate on client sites, or run a physical location. Unlike Professional Indemnity, this type of insurance operates on an “occurrence” basis, meaning it responds to incidents that occur during the policy period, even if the claim is made after the policy period has ended. To learn more about Public Liability Insurance, please get in touch with our team for assistance.