Damien is a Central Queensland local, having been born and raised in Gladstone. It also covers any compensation awarded by a court. We can even cover you with farm shed insurance. . Insurance. Flexible cover from £5. ] An Act to provide for public liability insurance for the purpose of providing immediate relief to the persons affected by accident occurring while handling any hazardous substance and for matters connected therewith or incidental thereto. Public Liability insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics and many more. Bodily injury to participants in non-hazardous activities - your legal liability for this is covered automatically. In fact, it is likely to be very. It provides financial support by covering the costs of legal fees, medical expenses, and property damage related to such claims. Public liability insurance is designed to protect your business from claims by customers or clients in the event of accidental death, bodily injury, illness or accidental loss or damage to the property of another party. CONTACT US. Event public liability insurance covers your legal costs and any compensation you may have to pay, if a member of the public is injured or killed, or if someone’s property is lost or suffers accidental damage during your event. Public Liability Insurance is generally very affordable. The cost of Allianz Public and Products Liability Insurance depends on a number of factors, including the amount of cover you select (also known as the limit of indemnity), turnover and your business type. 2 billion in claims and benefits. Some examples are; the accidental fall of a visitor while your floor is wet. If you use Council owned land you will require a minimum of $10 million public liability insurance. It doesn't matter what type of business you run, we cover all trade types and all sizes of business. Public Liability insurance is one of the most popular types of insurance for businesses. Helplines to get you the answers you need – such as a 24/7. Public Liability insurance - $20,000,000. What is the average monthly premium for Public Liability insurance? On average, small business owners can expect to pay around $63. Insurance carrier inquiries regarding damages caused by their insured can be directed to Grace Smith at 619-236-6737. Public Liability Insurance In Rockhampton. The cost of general liability insurance is based on your specific business needs. Public liability insurance protects businesses of any kind - whether you're a sole trader or a small business - in case your business is brought to court by a client, customer or a member of the public. read more Public Liability Insurance In Port Macquarie. Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. Liability - public and product. 40 **per month for a Public Liability insurance policy. The more information you provide, the easier it will be for insurance providers to find a policy that fits your needs. 6012736), is authorised and regulated by the. Factors that influence the cost include: Type of work. If you've got questions about business insurance, call us on 13 24 81 (8am–8pm AEDT, Mon–Fri) or chat to us online (8am–8pm AEDT, Mon–Fri). au. It is typically taken out by businesses in. Participant cover. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or. au; Telephone: 07 4931 1888With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million. 7 million customers in the UK, Ireland and Canada. Negligence is defined as a failure to take reasonable care to avoid causing injury or loss to another person. With an expat-friendly insurance broker, you can obtain coverage or helpful advice, often in English. Public Liability insurance is one of the most popular types of insurance for businesses. This information has been prepared without considering your objectives, financial situation or needs. Security guards or bouncers: As private employees, security guards and bouncers do not share. Sure Insurance, but fair. Public Liability Insurance. From overseas, call +61 3 9601 8222. If you’ve been injured in any circumstance where someone else didn’t take the right amount of care, you may have a case. gov. Public Liability & Personal Injury Law; Road Accident Injuries Compensation Claim Law; Workplace Injury & Workcover Lawyers; Total and permanent disability/death claims and superannuation & insurance claims; Contact. Public Liability Insurance: This type of insurance safeguards your business from financial loss—resulting from being found liable for personal injury, property damage, as well as. We only act for clients on a no win no fee basis. 1300 131 000. . As a tradesperson, you work in a high risk occupation and these are the main types of cover that can protect you and your business: Public Liability Insurance. 0431 126 806. au. With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million. Any compensation you’re ordered to pay as a result of a covered claim. 07 3889 7470. That’s why you need liability insurance. Public Liability Insurance In Rockhampton. Businesses typically choose general liability insurance rather than public liability insurance since it's more comprehensive. Our total group assets under management are £352. Protect your small business from common business liability exposures by getting a general liability insurance quote today. Forensic accounting services. A skilled Howden risk consultant. Sebagai contoh, seorang tamu hotel terpeleset ketika. These equine coverages from our carriers is very important to you if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. (a copy of your public liability insurance and indemnity statement must be provided) Name of insurer: Policy number: Policy limit: Expiry date: Event Details . read more Public Liability Insurance In Port Macquarie. Phone: 1300 669 664. Public and Products Liability claims. Accidental. With our cosmetology. Call 07 3870 8244 for your FREE consultation today. On average, small business owners can expect to pay around $63. g. We have over twenty years’ experience working with Government bodies, the insurance industry, law firms, asset managers, homeowners and in more recent times, the strata industry to deliver services including; forensic investigation (causation) on domestic and commercial property, audit reports (defect identification), scopes of work and dispute. We exist to serve our members and their communities, not shareholders. This could be from a customer, a client, or a member of the public. au; Follow Us: Get Quotes. Bookings are now open for in-person consultation forums we’re hosting with the Insurance Council of Australia (ICA) to support customers who were affected by the 2022 floods in Central Western NSW. . And if. Your business type and size directly. . We provide comprehensive commercial insurance for SMEs of all sizes. Hindi Title: लोक दायित्व बीमा अधिनियम, 1991. Public exposure or liability affected by law can destroy the promising future of any business. For further information regarding work experience with Rockhampton Regional Council, please contact the Workforce and Governance team on (07) 4936 8352 or by emailing employment@rrc. Trusted for over 35 years. Public liability insurance covers claims from the public for personal injury or property damage caused by your services or products. Businesses face many threats every day. Comparing liability insurance quotes is easy with Paddy Compare. Under the act, the industries or companies dealing with hazardous substances must commit to installing it if the material is reported under the Environment Protection Act, 1986. When deciding on how much cover you need. It can cover compensation payments and legal costs if. 1300 920 871; [email protected] only takes 15 minutes to protect your business with Toolbox by Admiral. Public liability insurance covers claims from the public for personal injury or property damage caused by your services or products. General liability business insurance can provide financial protection for some of the most common accidents at a business. It’ll protect your business against damage and the cost of legal claims people make against you, if you’ve done something. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to them being injured or sustaining property damage as a result of your negligent business activities. Public liability insurance is a type of business insurance that covers you for claims made by a third-party. vehicle roadside assistance across the state, together with insurance and banking. 7 million customers in the UK, Ireland and Canada. Introduction. It does not cover bodily injury or property damage caused by the following: Employees; Employee's family members; Damage to business property (this is covered under Property. LICENSING/MEMBERSHIPS. Rockhampton, Q, 4700 (surname/initial to identify) Cash. Legal costs incurred in defending a covered claim. This policy covers legal liability for damages with respect to accidental bodily injury and/or accidental property damage to third parties arising from the conduct of the insured’s business. Public Liability Insurance In Rockhampton. Get your quote. GEICO can help you get an insurance policy with the right coverage at a great price. The Public Liability Insurance Act, 1991 1047 3. Public Liability Insurance covers you against third-party claims: Bodily injury. Public Liability Insurance also provides assistance with the legal costs associated with managing claims that. Public Liability Insurance also provides assistance with the legal costs associated with managing claims that. Max 6 people. These types of liability claims are prevalent, so you’ll want to keep your business protected with the right insurance. Location. Rockhampton. Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for. Public liability may also cover you if you damage their property. Leaning on our well-established, tested and proven processes, our approach is refreshingly unlike any other business insurance broker in Australia. Overview. Call us on 1800 991 692, or leave us a message below to request a call back and one of our team will be in touch as soon as we can. The information about the public liability insurance policies in the table is as at the 26th of April 2022. Still, unfortunately, Australian police have been guilty of excessive force as well, with a record including fatal shootings, excessive taser use and overly rough treatment during arrests. Public liability insurance covers people. Rockhampton Regional Council is committed to growing an active community that everybody enjoys and we are proud of. Servicing clients in Gladstone, Mackay, Rockhampton and the Whitsundays,. 5 = $5,000 of property damage coverage per accident. Get your quote in just four minutes. 40 **per month for a Public Liability insurance policy. What Public Liability insurance covers. Simply enter your postcode or suburb and we'll find the right person to chat with you. They claim against your property owners’ public liability policy since the injury was caused by the state of repair of the. most recently audited financial statements and certificate of currency for public liability insurance. 00 a month for £1,000,000 cover. This means that you only pay legal fees if you obtain a successful outcome in your claim. Sebagai contoh, seorang tamu hotel terpeleset ketika. . English. Helplines to get you the answers you need – such as a 24/7. A la carte only. , small businesses in Rockhampton pay $35. If you use state owned land (whether or not it’s controlled by Council) you will require $20 million public liability insurance. Public Liability insurance * protects your business if a customer, supplier or member of the public are injured or sustain property damage as a result of your negligent business activities. In addition to general liability insurance, Nationwide offers specialty coverages. 34 East Street. Surfers Paradise QLD 4217. It is essential that the business is accurately and fully described when completing the proposal form so that the risk can be. Product info. Loss Recovery. A public liability insurance will protect your business in the event a third party person is injured or their property is damaged as a result of your business activities or on your business premises. The act of 1991 mandates industries to purchase liability policies. On average, small business owners can expect to pay around $63. 12 per month. Customers are always telling us how much they saved by switching. One of Ireland’s largest impartial insurance brokers, with 16 branches and over 200 staff. Please give our Principal Robert O’Neil a call today on 1300 196 219 for a free, no-obligation, confidential chat about. Click quote and buy online with same day certificate of currency. Short title and commencement . We offer Public and Products Liability insurance, which may help cover your business against the kinds of claims discussed above. Public liability insurance is designed to protect you and your business in the event it is found responsible for injury to or property damage of a member of the public. Alternatively, professional indemnity insurance covers claims from clients against the erroneous or negligent provision of your professional services. While they are similar, general liability insurance. 10% of new tradesman insurance customers paid this online for annual Public Liability cover. Originally, individual. Earn Flybuys on every policy you have with State*. The coverage protects the staff while on duty outside of the office and extends to cover landlord property. Public Liability Insurance In Rockhampton. Event name:. , small businesses in Rockhampton pay $35. What we do. Personal Injury Lawyer Rockhampton QLD 4700 - We are a leading injury & compensation law firm in Queensland. 4. When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. One of Ireland’s largest impartial insurance brokers, with 16 branches and over 200 staff. These are sometimes called 'Market Trading. Family law services are a cornerstone area for our firm. The Public Liability insurance covers your legal liability to a third party as a result of an accident happening in connection with your business operations. For the sake of your staff, clients and family, making sure you are. Event name:. Learn how a PL policy can shield your business from real or frivolous claims. au. As mentioned, public liability insurance is intended for claims made against your businesses relating to: an injury to a third party caused by your business activities. The benefit to the. The Club has been operating for over 116 years and this year marks our 50th anniversary providing general insurance to Queensland homeowners and motorists. Power’s 2023 Small Commercial Insurance Study. PreeminentPublic Liability Insurance covers the insured in the event of claims for damages by third parties, including costs, fees and expenses as well as legal costs. self-employed tradies , such as painters starts from around $480. It’s considered a critical policy for businesses of. Level 3, 222 Clarence Street, Sydney NSW 2000. We are no-win-no-fee lawyers. Unexpected accidents can happen in the course of business – delivering goods to customers, clients visiting your office premises, your company holding an event or when your employees are working at an offsite premise. This can include visitors to an office building, delivery. OR CALL 1300 542 245. Public liability insurance will help protect your business if a claim is made against you, e. Public liability insurance can help protect the association’s assets. Public liability insurance is designed to protect your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as accidental damage to property owned or controlled by someone else. Aviva's Public Liability Insurance is provided by a leading savings, retirement and insurance business serving 18. The project/event provides value for money for Council and the Rockhampton Region. For example, the average cost of a slip and fall claim is $20,000. It covers you if a client or member of the public claims they have been injured, or their property damaged, because of your. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities. . 13 10 13. Public Liability Insurance covers your legal liability to pay. Your business type and size directly. During the term of your lease, you may need to ask for Rockhampton Regional Council’s consent for some legal matters. Claims arising from the injury (and associated medical costs) of members of the public at your business premises or in relation to your business activity. That said, with Thimble, there’s a better way. Combine liability and household insurance to get a lower price. Simply put, public liability insurance is insurance that covers you against any claims from the public for damage, loss, injury or death arising from an incident that took place at your place of business. Public exposure or liability affected by law can destroy the promising future of any business. In fact, it is likely to be very. Insured events: livestock and mobile machinery. PC is an authorised agent of nib and receives commission from nib. That could be anything from a slip and fall at your workplace or store to property damage caused during a delivery, installation or site visit. . Fortune Insurance Brokers Rockhampton are your business insurance brokering specialists. In fact, everyone apart from employees are covered, including: People participating in events you take part in, like a craft fair. The legal costs can often form the largest portion of a liability claim – and these costs. au Post: PO Box 111, Rockhampton, QLD, 4700 Address: 4/74 Victoria Parade, Rockhampton QLD 4700Liability and legal coverage. Asset Register Asset Register – August 2022 amended Liability Insurance Public Liability from 1st June 2023 – 31st May 2024Telephone: (07) 4931 1888 Facsimile: (07) 4931 1899 Email: enquiries@smrlaw. Small business owners on average in the 2018/19 Financial Year paid around $63. Read more. We are able to tailor liability and professional indemnity insurance policies to clients in Rockhampton, Yeppoon, Mackay, Biloela and beyond. In a nutshell. Public Liability Insurance In Rockhampton. 4. THE PUBLIC LIABILITY INSURANCE ACT, 1991 ACT NO. Professional Indemnity insurance - $2,000,000. 23. As an example, electrical contractors are required to hold a minimum of $5 million public liability cover in order to obtain their licence in some states. Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy. insurance companies no longer offer public liability insurance; instead they’ve upgraded to general liability insurance. Australian Accident Management Commercial. . Public liability insurance protects your business in the event of an unforeseen incident. Public liability insurance typically covers incidents that happened within business premises or when business operations resulted in damage to someone else’s property. We have more than 50 insurance brokerages across 600+ locations Australia-wide across our network. But, the king understands that protecting your royal family is your top priority. 2. Below are some of the common public liability inclusions: Legal costs ordered to pay as a result of a covered claim. AAMI doesn’t offer Workers Compensation Insurance, but GIO does. In 2021, we paid our customers £23. 40 **per month for a Public Liability insurance policy. An applicant, or the injured party, in a product liability case will typically file a lawsuit to sue the respondent (the owner or occupier) under a common law basis of negligence and/or damages. Public liability insurance provides coverage for third-party claims regarding injuries or property damages arising from the business operations of the insured. Public liability insurance extends to cover any legal liability you may have for defects in premises that you have previously owned or occupied, as long as the insurance remains in force. 01603 218000. Public Liability Insurance. Phone: 1300 669 664. Certain types of claims are specifically excluded, such as liabilities arising out of: Owned or rented motor vehicles, aircraft or watercraft. When you buy public liability insurance with MoneySuperMarket, you have the option to choose the amount of cover you want: either £1 million, £2 million, £5 million or £10 million. This was enunciated in the seminal decision of Rylands v. Thimble offers small businesses a newer, more affordable type of on-demand general liability or professional liability insurance policy. 44 per month. Incurred with our written consent. 53 per month^ for Public Liability insurance through BizCover. Rhino’s Public Liability Insurance is low-cost, starting at £6. P rominent Insurance Brokers offers public liability insurance at a highly affordable premium. The key difference between public liability and professional indemnity is that while public liability covers for risks of injury or damage, professional indemnity. Public Liability insurance protects your business if a customer, supplier, or member of the public is injured or suffers property damage as a result of your negligent business activities. See morePublic Liability Insurance* for Rockhampton businesses. Powered by. CGU can help you get covered with our car, home buildings and contents, landlord or strata insurance for your property and precious belongings. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million. Some insurance providers will sell insurance packages specifically for market stall holders. Public Liability insurance is one of the most popular types of insurance for businesses. Public Liability Insurance In Rockhampton. Protect what matters most on your property: your livestock, machinery, buildings, and even silage and grain. For example, suppose you are a doctor and mistakenly. Public liability may also cover you if you damage their property. Site Map Liability limited by a scheme approved under. Claims are usually successful when it can be shown that the owner/occupier was responsible for an injury, therefore they breached their duty of care. . You can pick a policy as short as an hour, starting at $5. Due to your work or business activities, if any third party happens to be injured or if their property is mangled. For your essential insurance, Public Liability, Tools insurance, vehicle and trailer and more. Home and contents insurance designed for regional Queensland. Subject to policy terms, conditions, and exclusions. Call us today on 0818 222 700 to get a quote. It is created to protect you and your company if a third party from the public files a claim against you after being hurt or having property damaged because of your business. AAMI can offer limits of $5m, $10m, and $20m cover, which can be purchased online or via our Australian-based Call Centre on 1300 176 698. Save up to 10% when you buy a new Public Liability policy online. Cover limits may vary. In some industries, public liability insurance is mandatory (e. Aviva's Public Liability Insurance is provided by a leading savings, retirement and insurance business serving 18. The two models of liability insurance used in business are public liability and general liability. The 2022 listing of leading Plaintiff-focused Queensland Public Liability Lawyers details solicitors practising within the areas of public and occupiers liability matters across all Australian legal markets who have been identified by the state’s defendant insurance lawyers for their expertise and abilities in these areas. 53 per month^ for Public Liability insurance through BizCover. Public liability, also known as general or broadform liability, is the most basic insurance requirement for contractors. Third-party property damage Claims arising from the damage to someone else’s property, whether it’s a physical premise (such as a building) or an item they own as a result of your. Professional Indemnity. Risks Covered. Liability insurance is a form of business insurance which is designed to cover the legal responsibilities of the insured legal entity or person in the event of an incident which results in damage or injury claims by third parties. Or a band’s vocalist breaks his arm after tripping on a mic cable. 13. We have selected the products which have information publicly available to be included in the table. 40 **per month for a Public Liability insurance policy. 8 out of 5. Your legal liability for the personal injury or death of a third party. Or a concertgoer gets injured in the mosh pit. You are required to fix two limits of indemnity as under (for both premises and transportation): Any One Accident (AOA) Any One Year (AOY) AOA and AOY must be in the ratio of 1:1, 1:2, 1:3 or 1:4. Go to aami. If you are not currently registered in an employment program or studying, you may be interested in Council's Volunteer Program. As standard, we provide cover against:public liability definition: a situation in which a member of the public is hurt or damage is caused to their property by a…. Dine out – 2 for 1: Selected food, cheapest free. Aviva has financial muscle – your business can trust us. The coverage limit for public liability insurance ranges from AED 500,000 to AED 100 mn. Put simply, Public Liability insurance protects you if a 3rd party (a member of the public) sues your business alleging that your negligence caused them some type of bodily injury, death or property damage. Register your Flybuys today to start earning. and occupations Public Liability insurance can cover. Public liability cover is typically one of the most common types of insurance purchased by both large and small businesses. SALES CALL CENTER: 8008663 CLAIMS CALL CENTER: 600503030 . Sterling Insurance is a specialist wholesale intermediary, including both an underwriting agency and a wholesale broker, offering a range of insurance solutions for complex and/or hard-to-place risks servicing the Australian & New Zealand insurance markets. Choose a higher deductible ( Selbstbeteiligung ). Public liability insurance will help protect your business if a claim is made against you, e. The Public Liability Act 1991 was made effective from 1st April 1991. Public Liability insurance is there to help them get back on their feet, and ensure that you can keep working without the distraction of dealing with lawyers or handling an insurance claim. In fact, it is likely to be very. Public liability insurance is a type of business insurance that protects your business from damages, injuries and accidents related to working with the public. Understanding public liability insurance is vital to protect your business from lawsuits for bodily injury or property damage. com. opens in new tab or window . See full list on smrlaw. They pride themselves on providing quality, on-time roofing solutions to meet your needs while adhering to industry best practices. Loss cover from €1 per month. Public Liability Insurance protects the client's legal liability against body injuries or property damage to a third party due to negligence in connection with the client's business, which helps reduce the client's financial burden in case of accidents. admin@veramaxindustries. You need public liability insurance if your work involves public performances and live events, workshops. Public liability insurance usually covers: Any loss or damage your businesses causes to third party property. Public liability insurance becomes a must for businesses which involve: Leasing or owning a premises. It may include covering repair or replacement costs for damage that you’ve caused to a third party’s property and your legal expenses in the event a public liability claim is lodged. Get 5% off your conveyancing fees!*If you have no Public Liability Insurance in place and you must pay out in the event of a claim will mean that all compensation comes out of your business' bank account and directly from your bottom line. This policy is designed to protect an insured in respect of his legal liability to pay compensation for accidental bodily injury or accidental damage to the property of the other person caused by or through the negligence of the insured. PIB Secure has a distinguished track record of over 20 years in the insurance sector. What our customers are saying. business continuity insurance – covers your records and. GEICO can help you get an insurance policy with the right coverage at a great price. Email – info@afca. What Is Public Liability Insurance? Public Liability Insurance is a type of insurance that provides protection for businesses and individuals against claims made by third parties. We are no win no fee lawyers. Gemini Insurance Brokers can assist with the following insurance products and many more – simply call us on 0452 139 930 and we would be happy to discuss alternate covers that may be beneficial in protecting your assets and business that may not be listed below. Learn more. Author: Rockhampton Adfas Created Date: 11/15/2023 7:50:01 PM. 1. Event public liability insurance covers your legal costs and any compensation you may have to pay, if a member of the public is injured or killed, or if someone’s property is lost or suffers accidental damage during your event. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. Industries. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to. Protection against financial costs if third-parties are damaged by your business. When you are subject to a legal action, you would. Monday to Friday, 8 AM to 7:30 PM AEDT. Buy online and tailor your cover. We're here to help. Call us on 13 24 81 Request a callback. This has also been brought under Tariff. (ii) These rules shall come into force on the date of their publication in. Email: [email protected] average cost of PL insurance is £118 in the UK, ranging from £50 to over £450 for certain businesses. Kids meals and drinks excl. Similarly to Public Liability insurance , your. Many U. Talk to our business insurance specialists. Our qualified team has years of experience with Liability Insurance, and we have access to the most competitive quotes on the market. Liability in respect of; a) bodily Injury or disease of any person arising out of and in the course of employment by. The cost of Allianz Public and Products Liability Insurance depends on a number of factors, including the amount of cover you select (also known as the limit of indemnity), turnover and your business type. Kare LawyersPublic Liability Insurance. . Their roofers are fully licensed and insured. To get a quote for small business insurance that includes public liability insurance,. and PR management costs. One business may require a different amount of cover compared to another. does P ublic L iability insurance cost for Rockhampton businesses? On average,. M: +61 (0) 432-805-729Public Liability Insurance covers your business for claims made by the general public. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is. For small businesses with 1-10 employees and turnover under $2 million, our direct Small Business Insurance might be for you. That includes the cost of hiring a lawyer for yourself, plus any extra fees the court orders you to pay. What Public Liability Insurance is, and What is it Not. Elders Insurance Young. Utilise our years of experience to help your business get forward in the local market place and know that we are always there to help you, as we always work for you not the insurer, so you are always our number 1 interest. These are also called exclusions. 40 **per month for a Public Liability insurance policy. It can help if someone other than an employee gets hurt and your business is at fault. It offers you peace of mind in the.