Name: Protego Insurance
Address: Lvl 2, 307 Peachey Road, Munno Para, SA, 5115, AU
Telephone: 08 6374 7128

Public Liability InsuranceCover for injury or property damage you're found legally liable for — the one most contracts and landlords insist on before you can start.Public liability responds when someone is injured, or their property is damaged, and your business is found legally liable. It's the cover most commonly written into contracts, leases and tender conditions, which is why it's often the first policy a small business is asked to produce.What it can cover

Compensation you become legally liable to pay for third party injury or property damage

Legal defence costs in connection with a covered claim

Products liability, where something you supply or install causes injury or damage

Cover extended to the sites and situations your work actually takes you to

Who it may suitPublic liability may suit any business whose work brings it into contact with the public, client premises or other trades. Whether it's appropriate for you depends on your own circumstances — read the PDS and TMD before deciding.Worth thinking about

The limit required of you is often set by someone else — a contract, a lease, a principal or a licensing body. Check what you're being asked for before you buy, so you don't have to buy twice.

Public liability covers injury and property damage. It does not cover faulty workmanship itself, professional advice, or your own tools and stock — those are separate covers.

Subcontractors can bring their own exposure. Whether they're covered under your policy or expected to hold their own is worth settling in writing.

Cover responds to what you told the insurer you do. If the work changes, the description needs to change with it.

Important informationProtego Insurance Pty Ltd ABN 55 699 311 558 is a Corporate Authorised Representative (CAR 001322006) of Sirius Insurance Pty Ltd ABN 60 606 142 027, AFSL 550946.The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Before making any decision about any insurance product, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement(s) (PDS) and Target Market Determination(s) (TMD).

Financial Services Guide (FSG)

Insurance Brokers Code of Practice

Complaints Policy