Frequently Asked Questions

Business Insurance > Legal Liability Coverage

• Q: What's the difference between Public Liability or Professional Indemnity?

  A:

  It is important to understand the differences between Public Liability insurance and Professional Indemnity insurance.

  Public Liability covers claims against you for bodily injury and property damage to  someone that arises from the operation of your business. For example, if a person  is injured on your premises, or if you damage property while visiting a client.

  Professional Indemnity insurance covers claims that arise from a breach of the duty that you owe as a professional or an expert for services such as:

  • advice,
  • design,
  • consultancy,
  • analysis services. 

  Professional Indemnity insurance covers your civil liability that results from the conduct of your professional services.

  This includes:

  • contractual liability,
  • liability under the Trade Practices Act,
  • defamation,
  • infringement of intellectual property right,
  • liability for the acts of sub-contractors and consultants, and
  • compensation and claimant's costs and expenses. 
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