Public & Product Liability

Your product and public liability insurance brokers in Melbourne

When you require product or public liability insurance for your Melbourne business or organisation, our team at Arcuri & Associates can help you to navigate the sea of insurance policies in the market. While public and product liability insurance is not mandatory for most businesses or companies, it is highly recommended. You can put preventative measures in place to protect your customers or consumers, however, you still can't predict accidents or incidents. There is no guarantee that something won't go wrong and if it does, the cost of being sued or having to pay compensation can be extraordinarily high.

Even if you are a small business or sole trader, if something bad happens you could find yourself having to pay thousands of dollars, which is why public liability insurance for a sole trader in VIC is a must. It doesn't matter the size of your business, ensuring you have sufficient public or product insurance is by far the smartest thing you can do to cover yourself and the business you have worked hard to build. For the best in advice and brokering regarding public liability insurance in Melbourne and right across Victoria, contact our team today.


Understanding product and public liability insurance

As the leading public liability insurance brokers in Melbourne, we understand that many insurance policies are filled with particular jargon that is confusing and difficult to understand. This is why we are here to make it as clear and simple as possible.

What is public liability insurance?

If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs. Public liability insurance can help you protect your business from the financial risk of liability claims, giving you the certainty you need to trade with confidence.

What is product liability insurance

No matter how stringent your company is, mistakes can happen. For example, you may manufacture or sell a product that causes a customer harm. Even if you are not personally at fault, you could risk serious financial damage through legal and court costs if a customer decides to sue you. Product liability insurance is designed to help protect your business if you are sued because a product you sell, assemble or supply has caused harm to a person or their property.

Do I need public liability insurance as a sole trader in Victoria?

The answer is yes! Public liability insurance is widely considered to be one of the most crucial categories of insurance available for sole traders, new business startups and small businesses. Given the tight regulatory codes under Victorian law, the purpose of public liability insurance is to secure your business in any event where a customer, supplier or member of the general public brings forward a civil claim for personal injury or property damage that is alleged to have been caused by your business activities. Although there is no specific insurance cover exclusively tailored for sole traders in Australia, there are many alternative variations of public liability insurance policies that are available and can be aggregated together depending on the applicable circumstances of your business as a sole trader. If you are seeking advice on the best public liability insurance for a sole trader in VIC, our Arcuri & Associates team is always here to assist you.

Request a review by our product and public liability insurance brokers in Melbourne today

Don't feel frustrated trying to find the right product and/or public liability insurance for your Melbourne business. We are proud to be the product and public liability insurance brokers Melbourne local businesses can turn to for all their public liability insurance needs. When you choose Arcuri & Associates, you are guaranteed that we only work for you and we will always provide you with quality service, conduct and expertise. Whether you are a manufacturer and want to get the best price on your product liability insurance or you are just starting out and need more information on public liability insurance as a sole trader in VIC, please don't hesitate to contact us today.

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