If someone is injured or their property is damaged due to your business activities, you may be faced with a public liability incident. Here's what to do: ensure safety first, record the incident details, take photos, do not admit fault or liability, and contact your broker as soon as possible.

If you give advice, provide a service, or make professional recommendations as part of your business — you could be at risk of being sued if something goes wrong. That’s where Professional Indemnity (PI) Insurance steps in. It can cover legal costs, compensation, breach of duty or negligence, mistakes or errors and misleading conduct. In some sectors, Professional Indemnity (PI) insurance is mandatory by law or industry regulation, or even required in contracts.

The Public Liability component of your Landlord's Insurance protects you if someone is injured or their property is damaged, because of something related to your rental property — and they decide to seek compensation. If something goes wrong and you're found responsible, liability insurance is what steps in to protect you financially.

If you live in or own a lot in a community title scheme in Western Australia, you’re sharing ownership and responsibility for common property. With shared property comes shared risk — which is why common property insurance isn’t just a good idea, it’s a legal requirement. It protects the shared areas and structures of a community title property against risks like fire, flood, storm damage, or vandalism and ensures all owners in the scheme are financially protected if somethi

Not all insurance policies respond the same way when something goes wrong — especially when it comes to Liability vs Professional Indemnity. Occurrence-based policies (i.e. Public Liability) cover events that happen during the policy period, even if the claim is made years later. Claims-made policies (i.e. Professional Indemnity) cover claims that are made while the policy is active, regardless of when the work was done. Cancelling this type of policy means you're not cover