The cost of AFA’s Public and Products Liability Insurance depends on several factors, including the amount of cover you select (also known as the limit of indemnity), annual turnover and your business type.

Call our dedicated Underwriting team on 1300 728 997 for more information, or start a quote online now.

If you’re a sole trader, contractor or freelancer who interacts with the general public on a regular basis, you could have a claim for damage or injury brought against you by a third party if an accident were to happen.

Without Public and Products Liability Insurance, you could be required to cover the costs of the third party as well as funding your own legal defence.

As a sole trader or contractor, you may also be requested to show proof of Public and Products Liability Insurance before entering a new contract, workplace, or site.

Public Liability relates to a member of the public being injured or having their property damaged resulting from, or relating to, your work. For example, a customer visiting your premise, tripping on a wet floor, and injuring themself.

Products Liability relates to injury to a person, or damage to their property, caused by any products you manufacture, distribute, supply, or sell.

AFA Public Liability Insurance, also known as Public and Products Liability Insurance, automatically includes both public liability and products liability under one convenient cover.

Yes, our Trades Liability insurance has exclusions, which are situations or incidents not covered by the policy.

General exclusions include, no cover for damage to property owned by you, Contractual liability, Professional advice, Faulty workmanship, Fines and penalties Employers liability, Asbestos, Product guarantee or warranty and Drones.

If you’ve selected Public and Products Liability cover, and provided details of your business location, cover can be provided to your home or mobile business.

Public Liability may help protect your business against claims of negligence from clients or suppliers who visit your home. For example, if you run a home-based hair salon and a client comes to your home, trips on power cords, and hurts I.

Public Liability Insurance for property owners is available through our dedicated experienced underwriters. Call us on 1300 728 997 for more information to begin your quote.

Every business is unique and it’s difficult to predict how much compensation you may become liable to pay in the case of an incident.

Cover of $5 million may be sufficient for a small business with low-risk exposure. However, a higher limit may be required depending on the conditions of a contract you may be entering into.

If you’re unsure how much cover you may need, it may be useful to search the conditions of your business or trade license, landlord, council, worksite, or primary contractor to ensure you have the appropriate cover.

Depending on your circumstances, you may wish to consider setting a higher limit of cover for when something goes wrong. This is something a professional licenced insurance broker could provide advice on.

AFA offers flexible limits of $5M, $10M or $20M or $30M on referral to choose from.

Yes, your broker can obtain AFA Trades Liability and Personal Accident Insurance for the same Business or Occupation, which can result in premium savings and allow both policies to start and renew on a common date.

AFA doesn’t sell direct to the public; We only provide Liability Insurance via licenced professional Insurance Brokers.

If you have an existing relationship with a licenced Insurance Broker, they should be able to assist you with AFA’s Liability insurance.

If you don’t have a current broker. You can find a broker conveniently near you right now at needabroker.com.au

Your Certificate of Currency can be instantly available, by contacting your Insurance Broker who has access to AFA’s system.

A Certificate of Currency can be emailed to your desktop, mobile or tablet for instant proof of cover whilst onsite.

Alternatively, call our dedicated Underwriters on 1300 728 997  for more information.

If an incident occurs that may lead to a public liability claim, you should contact your insurance broker as soon as possible.

Your broker  will guide you through the claims process, which typically involves completing a Claim Form and providing details about the incident and any relevant documentation to ensure the matter is resolved promptly and satisfactorily.

You can always call our dedicated Claims team based in Australia on 1300 728 997 or email claims@afainsurane.com.au

AFA Pty Ltd ABN is underwritten 100% by Zurich Australian Insurance Limited ABN