Public & Products Liability

What is legal liability insurance?

Legal Liability or General Liability insurance is there to protect your business against financial loss resulting from allegations or claims of bodily injury or property damage caused to others by you or your employees. A wide variety of exposures from various sources can give rise to a liability claim. Major sources of liability for businesses include:

Public Liability

Where a third party (a different person to those in the business such as a client or visitor) becomes injured arising from the activities of your firm. Examples include a customer slipping or tripping over something on the floor left by an employee.

Products liability

Product liability exposures exist when you manufacture, distribute or sell a product. An example could be Imagine you're a furniture manufacturer and your are sued by the parents of a child that experienced brain injury due to suffocation in a crib that your company made. Your products liability insurance would pay for the cost of your defence, in addition to the actual damages awarded by the court. Click on this brief video for another perspective

Property Owner’s liability

These liability exposures exist when you own premises. So, if a client trips and falls on a broken step that you didn't fix up or maintain properly and as a result you were found negligent, property owner’s liability insurance will pay for defence costs and damages due to the injury. Simply, you are responsible as a property owner against injuries or property damage caused to other people arising from the building.

Contract Works liability

Contractors have significant liability exposures relating to the work a contractor has performed and finished. For example, a three level walkway at a hotel gave way during a concert and many people were killed. When the contractors that constructed the hotel were sued for negligence, they were protected by the liability attached Contract Works or Construction Risk policy.

Who should have liability insurance?

All businesses, including home-based operations, benefit from adequate general liability coverage. And just because you work from your home doesn't mean business liability insurance isn't essential. A client who comes to your house for a meeting could slip and fall, and if you don't have business liability insurance in place, you can be caught without protection.

A smart solution

If you need business liability insurance, or if you just want to learn more about this cover, CPR Insurance Services can help. We have helped many businesses protect against these liability exposures. Our experienced liability experts will help you obtain quality, cost-effective Liability insurance coverage – tailored for your business’s unique needs

As a CPR insurance client, you will receive

  • The advantage of working with experts who are trained and experienced in liability exposures, ensuring appropriate insurance advice and solutions.
  • Benefit from our strong relationships with leading insurance companies.
  • Enjoy solid protection from "A" rated carriers.

Home Based Businesses

Latest News

Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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CPR Insurance wins Brokerage of the year

CPR Insurance Services picked up the award for the Best Brokerage (1-5 staff) in Australia, last Friday Night (4th May 2018) at the Insurance Business Magazine Awards held at the Westin in Sydney.

Judging came from various parts of the industry. It is a great honour to be recognised for our hard work and particular Business values we follow. A full list of winners is listed here.

Success comes from having great staff, and we thank Aidan Harmer and Julia McLauchlan as important support staff for helping us win such an award.

CPR Insurance has been in operation for more than 7 years now and is only successful because of the wonderful support from our staff, insurers and most importantly, our fantastic clients who put their faith and trust into our company to be their Risk Advisers and Brokers. 

Thank you to all.

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