Public liability and property damage insurance
If you are looking for public liability and property damage insurance for your commercial or business property you may have come to the SMART place.
Cover for both property damage and public liability may be able to be combined in a small business insurance pack, called a buspack.
Does public liability insurance cover property damage ?
Our team of business insurance brokers are often asked whether public liability insurance covers property damage?
The answer is while public liability insurance may cover damage to someone else’s property it typically will NOT cover damage to your own property.
Therefore if you work remotely , that is from premises that you neither own or lease, public liability insurance is a core cover you require.
If you operate from a business premises, that you either own or lease you will need commercial property insurance in addition to public liability insurance.
What covers should businesses operating from premises they own or lease consider?
Many businesses that operate from their premises they own or lease take out the covers they consider most important to them from a Business Insurance Pack, which can include:
- property damage
- fire and perils
- business contents
- fixtures and fittings
- business interruption
- business assets
- theft & money
- public and product liability,
- glass etc.
Important : water damage may not be covered. Please check your policy schedule carefully. A SMART business insurance broker may be able to assist you get the specific coverage inclusions you are after.
Public Liability and Property Damage Insurance Quotes
Whether your business property is a factory, warehouse or office building if you are looking for public liability and property damage insurance quotes our team of friendly SMART Business Insurance brokers may be able provide you with affordable quotes on suitable policies from leading insurance companies and underwriters.
TALK to a SMART Business Insurance broker on 1300 542 573 or for more information contact us at firstname.lastname@example.org .
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
Want to know more about commercial insurance covers for your specific type of business property?