Public Liability Insurance covers you, your staff and your business for losses or damage a third party suffers (or claims to have suffered) as a result of your business activities.

The policy provides protection against legal and court costs (i.e. legal liability) in the event that someone is injured, or has their property damaged while you are providing a service to them. This insurance also covers incidents that occur not only in your studio, but also at events you may produce in external locations.

Public Liability Insurance will only cover claims made by external parties and not those made by your own employees (you will require WorkCare/WorkCover insurance for this).

Products Liability Insurance is usually included in your Public Liability policy and is important if you sell products to your customers. It will cover you for claims of bodily injury or property damage arising from the failure of goods sold or supplied by you through your business.