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Public Liability insurance covers you and your business for losses or damage a tradesman insurance brokers qld school party suffers or claims to have suffered as a result of your business activities. In plain English this provides protection against legal and court costs i. This type of insurance covers incidents that occur not only in your studio, but also at events you may produce in external locations.

Keep in mind that this type of insurance will only cover claims made by external parties and not those made by your own employees you will require Employers Liability insurance for this. This is usually included in your Public Liability policy and is important if you sell dance products or equipment 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 practice.

In every line of work there is always the potential for something to go wrong — basically accidents happen and when they do, you or your business can be held liable. Regardless of the size of your business, Public Liability claims can be incredibly costly, and even if you are not at fault, you may still incur considerable legal costs while defending yourself.

Public Liability insurance is recommended for anyone running a business that generates revenue. Investing in a good policy can provide you with the peace tradesman insurance brokers qld school mind that your business will be protected regardless of what tradesman insurance brokers qld school throws at you. Public Liability insurance will cover external events provided they are within the scope of your normal business activities. If you are unsure of whether an event is covered, please contact your insurance provider for further information or to arrange additional cover.

The most suitable level of cover will differ greatly depending on the type of business you run, so it is important to discuss your individual needs with a financial advisor or broker.

Visit Aon for more information about Public Liability insurance. Have you considered the impact of tradesman insurance brokers qld school, fire or accidental damage to your professional flooring?

In this article, Sam Small investigates this issue and the Aon insurance solution. Sam Small from Aon explains why Public Liability insurance is a must have for dance teachers and studios. As well as Public Tradesman insurance brokers qld school insurance and Professional Indemnity insurance, dance professionals may need to consider Personal Accident insurance. Ausdance-approved insurance that meets the needs of dance instructors, studios, professional dancers and groups, tradesman insurance brokers qld school artists and companies.

About Network Contact Subscribe. Create an account Log in. Goals Projects See all Advocacy. News Upcoming Events See all News. Premium Content Products View all Products. Share this on Facebook. Why do I need it? Who is covered by my Public Liability insurance policy? A Public Liability insurance policy should cover: Your business, including any subsidiary companies, and Your staff, including any principal, employee, director, partner or employee whilst they are acting within the scope of their duties.

Examples of cases where Public Liability insurance would apply: During a dance performance in your studio, an audience member trips on a piece of loose wire from a stereo. Public Liability insurance would cover your business if the individual claimed for injuries sustained as a result of an unsafe studio. Public Liability insurance would cover any claim by this student for damage.

Example may only apply if you are the property owner of the building. How much cover do I need? Related Content articles Personal accident insurance for dance professionals What is professional indemnity insurance? Insurance Aon dance insurance products Ausdance-approved insurance that meets the needs of dance instructors, studios, professional dancers and groups, independent artists and companies.

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Our company provides all aspects of general insurance for commercial, industrial, primary production and domestic requirements using only authorised, Australian based insurers. Our success to date is based on providing high quality, personalised and professional service to our clients throughout Australia.

Exceptional personal service and an holistic approach to the insurance needs of our clients are the primary reasons why AIB today enjoys a first class reputation and position as a leading insurance broker in Australia. We offer expert advice on each client's domestic or commercial requirements, assess their particular risks and exposures and recommend specific insurance products to cover those risks.

AIB provides insurance services to many thousands of clients across Australia. As well as insurance placement for direct AIB clients we also offer a range of specially developed insurance packages to other brokers. AIB is a nationally focused company with over thirty years of service to clients in all States and Territories. AIB is one of the largest Australian owned national broking firm - large enough to command support from insurers whilst small enough to remain totally client focused and supportive of its local community.

AIB ensures that you, our client, obtain value for money insurance cover, tailored to your specific needs. Your Insurance is placed only with reputable and substantial, authorised Australian based insurers. Our service includes client support in the event of a claim.

AIB employs qualified staff able to advise on all classes of insurance — commercial, industrial or domestic. At AIB, continuous staff training is essential. AIB is recognised nationally for its innovative industry specific insurance packages. Packages are available for tourism operators, childcare centres, beauty therapists and hairdressers, indigenous communities and organisations. AIB Insurance Brokers are independent professional insurance advisors whose sole responsibility is our client.

Should we work under a specific binder with an insurance company we will advise you accordingly. You may contact us for all your insurance requirements or to arrange an obligation-free quotation. About AIB Insurance Brokers Our company provides all aspects of general insurance for commercial, industrial, primary production and domestic requirements using only authorised, Australian based insurers. Our success to date is based on providing high quality, personalised and professional service to our clients throughout Australia Exceptional personal service and an holistic approach to the insurance needs of our clients are the primary reasons why AIB today enjoys a first class reputation and position as a leading insurance broker in Australia.

To provide continuing, efficient and friendly service.