Public and products liability insurance covers your potential liabilities to third parties for personal injury or property damage, should you or your business be found to be negligent.
Public liability insurance is available to individuals, businesses and non-commercial organisations. It provides legal protection to a range of operations, including home-based businesses, shopping centres, swimming pools, carnivals and fetes or event centres. For some organisations, public liability insurance is mandatory. You should check the specific requirement of your legal structure.
If your organisation requires your customers or the general public to visit your home or business, or if you visit their premises, you should consider taking out public liability insurance. The owners and operators of organisations have a responsibility to those visiting or engaging in activities on their premises.