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Policy Key Facts

What’s covered:

  • Legal liability to pay damages in respect of property damage or personal injury (defined)

  • Damage to property in your care, custody or control (subject to a sub-limit of liability)

  • Payment of costs & expenses such as legal fees

  • Damage to leased premises

  • Business advice or service

  • LBP defence costs

  • Forest & Rural Fires Act liability

  • Landlords liability

  • Tenants liability

  • Mechanical plant liability

  • Punitive or exemplary damages

  • Vibration and removal of support

What’s optional:

  • Faulty Workmanship

  • Professional Indemnity

  • Employers Liability

  • Statutory Liability

  • Employment Disputes

  • Defamation Liability


What’s not covered:
Public Liability insurance does not cover you where there is no injury or damage to property, but instead there is an alleged financial loss.  For this you need Errors & Omissions indemnity instead.

Other things you should know:
An excess is payable for each claim.

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Note: This is meant as a summary of the most important items of the policy.  For a complete understanding of what it covers you should always read the full policy wording.