Skip to content Skip to main navigation

Ask RiotACT

Quality childcare in a
welcoming & supportive environment

Public Liability Insurance

By G-Fresh - 5 June 2012 10

Having recently become an owner/occupier of a unit in Bruce, I have come accross this guide to body corporate kindly provided by Independent Property Group.

I note in the Insurance section the following guidance: “as a safeguard it is strongly advisable to take out a public liability policy for the inside of the unit”

Is it to pay out any visitor who may be injured (including unauthorised intruders)?

What about my partner and I as the current occupants? Are we considerd ‘public’ for the purposes of this insurance?

Do others have this kind of policy on their dwelling?

What’s Your opinion?


Post a comment
Please login to post your comments, or connect with
10 Responses to
Public Liability Insurance
el 8:33 pm 07 Mar 13

zllauh said :

We’ve been using Mutual Brokers in Canberra since we moved to Australia in 2002, and have found them to be the best in the business. Though their website does not have much details – http://www.mutualbrokers.com.au

They have consistently sourced the best insurance at the best price, this has been for public liability and also professional indeminity [ i hope i spelled it right]

Even if you cant save few dollars I would recommend that go with some one who has been in the industry for a while and knows what they are doing.

A smart advise can go a long way .

We just wish that we could get all our insurances through them!!!

Do they provide policies covering astroturf?

Honestly, how do such blatant necro-thread advertorial comments make it through the moderation queue?

liability 8:02 pm 07 Mar 13

Brokers just resell policies from the major insurers, it is usually cheaper to deal direct with the insurer.

Nearly all public liability policies are the same (I have industry experience), just do a quick ring around go with whoever is cheaper, assuming that they have the same coverage amount, which will most likely be either 5 or 10 million.

zllauh said :

We’ve been using Mutual Brokers in Canberra since we moved to Australia in 2002, and have found them to be the best in the business. Though their website does not have much details – http://www.mutualbrokers.com.au

They have consistently sourced the best insurance at the best price, this has been for public liability and also professional indeminity [ i hope i spelled it right]

Even if you cant save few dollars I would recommend that go with some one who has been in the industry for a while and knows what they are doing.

A smart advise can go a long way .

We just wish that we could get all our insurances through them!!!

zllauh 6:20 pm 07 Mar 13

We’ve been using Mutual Brokers in Canberra since we moved to Australia in 2002, and have found them to be the best in the business. Though their website does not have much details – http://www.mutualbrokers.com.au

They have consistently sourced the best insurance at the best price, this has been for public liability and also professional indeminity [ i hope i spelled it right]

Even if you cant save few dollars I would recommend that go with some one who has been in the industry for a while and knows what they are doing.

A smart advise can go a long way .

We just wish that we could get all our insurances through them!!!

taninaus 7:41 pm 06 Jun 12

caf said :

I have public liability insurance as part of my home insurance policy (not as part of the contents insurance policy – I believe this is typical). As you wouldn’t have a home insurance policy, since the building itself is insured by the body corporate, you likely need to acquire this separately. Your contents insurance provider can almost certainly help you out.

My contents policy has a specific statement that if you are in body corporate they add PLI to the policy automatically, as you don’t hold building insurance yourself.

dungfungus 11:20 am 06 Jun 12

Swaggie said :

Then again if you dont get public liability then none of the “no win no fee’ brigade will go ahead with action anyway.so you may as well save your money.

Agree. Lawyers will rarely pursue a defendant on a public liability matter (apart from MV CTP which is underwrirtten by the Nominal Defendant aka taxpayer) unless there is an insurer involved.

Swaggie 11:08 am 06 Jun 12

Then again if you dont get public liability then none of the “no win no fee’ brigade will go ahead with action anyway.so you may as well save your money.

caf 10:31 am 06 Jun 12

I have public liability insurance as part of my home insurance policy (not as part of the contents insurance policy – I believe this is typical). As you wouldn’t have a home insurance policy, since the building itself is insured by the body corporate, you likely need to acquire this separately. Your contents insurance provider can almost certainly help you out.

screaming banshee 7:11 pm 05 Jun 12

No, you are not public, you are the first party.

thatsnotme 4:43 pm 05 Jun 12

Liability Insurance should be included in your Home Contents insurance policy as standard. You’ve almost certainly already got it (unless you have no contents insurance!) Check your policy to see what it covers.

taninaus 4:27 pm 05 Jun 12

Public liability is usually for injury to others caused by you or your actions at a property you are in control of. If you have contents insurance this will usually have public liability coverage of some sort, or there is an additional building insurance you can get when in a body corporate – sort of like a top up on the building insurance that may have PLI included – as an individual it is cheaper to get it as part of an insurance deal than separately.

Related Articles

CBR Tweets

Sign up to our newsletter

Top
Copyright © 2017 Riot ACT Holdings Pty Ltd. All rights reserved.
www.the-riotact.com | www.b2bmagazine.com.au | www.thisiscanberra.com

Search across the site