Public Liability Insurance Broker | DKG Insurance Brokers
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Product and Public Liability Insurance Broker

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 to protect your business from the financial risk of liability claims – giving you the certainty you need to trade with confidence.

At DKG Insurance Brokers, we understand that the needs of each client are different, therefore we will take the time to assess your individual risk requirements and deliver a bespoke solution. Reach out to us to speak with an experienced public liability insurance broker today.

Exclusions to public liability, property and business insurance for communicable diseases such as COVID-19 were in place prior to the outbreak of the pandemic, however, some policies failed to reference the relevant legislation, creating ambiguity around the scope of the exclusion. Insurers have now rectified the perceived error of citing the Quarantine Act 1908 rather than the Biosecurity Act 2015 and, in some cases, expanded to make the communicable disease exclusion broader.

“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au

No matter how stringent your company is, mistakes can happen. For example, you may design or sell a product that causes a customer harm. Even if you’re not 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’re sued because a product you sell, assemble or supply has caused harm to a person or property.

Exclusions to public liability, property and business insurance for communicable diseases such as COVID-19 were in place prior to the outbreak of the pandemic, however, some policies failed to reference the relevant legislation, creating ambiguity around the scope of the exclusion. Insurers have now rectified the perceived error of citing the Quarantine Act 1908 rather than the Biosecurity Act 2015 and, in some cases, expanded to make the communicable disease exclusion broader.

“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au

Public and product liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by your business. It can even cover emotional distress or shock that your business causes another person.

It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay.

Depending on your policy, public and product liability insurance can cover:

Type of cover Potential benefits
Personal injury If somebody is wrongfully injured by your actions or your product, public and product liability insurance can cover you for your liability to pay damages to the claimant.
Property damage If property is damaged due to your actions or your product, public and product liability insurance can cover you for your liability to pay damages to the claimant.
Advertising injury Liability arising out of advertising carried out by or on behalf of the insured.
“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au

With over 50 years of industry expertise, DKG Insurance Brokers is renowned for our experience and innovation in the Australian insurance landscape. Our commitment to excellence and our strategic partner network empowers us to curate intelligent, risk measured insurance solutions for businesses across diverse industries.

As a premier public liability insurance broker, we’re dedicated to crafting tailored insurance solutions that safeguard your enterprise while unlocking new opportunities. We understand that every business is unique and that’s why we tailor our insurance solutions to meet your specific needs. 

DKG Insurance Brokers boasts access to over 30 insurance products from major SME insurers. We go the extra mile, providing transparent pricing and guaranteeing a go-to-market strategy with every renewal. This means we’re always seeking the best solutions for your evolving needs.

As part of the DKG Group, we bring a comprehensive suite of insurance solutions to the table. Our collective expertise ensures that whether you’re a small enterprise or a growing corporation, your insurance needs are met with the utmost professionalism and care.

“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au

Partnering with DKG Insurance Brokers means entrusting your business’ protection and growth to a team that values your unique story. Our dedicated professionals are passionate about mitigating risk and transforming challenges into opportunities. 

Contact us today to speak with an experienced public liability insurance broker and let us navigate the intricacies of public liability insurance, providing you with peace of mind so you can focus on what truly matters – building and growing your business.

“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au

“Public liability insurance helps protect you and your business against the financial risk of being liable for negligence.”
Australian Government, Business.gov.au