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

Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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Finalist for QLD Broker of the Year

Robert Cooper was honoured to be nominated as a finalist for Queensland Insurance Broker of the year for 2020, as part of the National Insurance Brokers Association. Unfortunately he missed out on the ultimate award but is a reflection of the high standard that the industry now has for such awards.

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