Public Liability Insurance Claims can be quite distressing because such claims usually involve injury to a person for which you as the insured are being blamed.

Under no circumstances should you make any admission, offer, promise or payment in connection with any occurrence or claim.

As soon as practicable you should call us to report the loss on Ph: 13-7442 then submit your claim form.

Remember, you have to be legally liable to be liable in the first place, which means you would had to have done something negligently so as to cause the loss and/or injury.

Liability is not a simple matter thus, it is important that you notify us as quickly as possible after an occurrence of any incident that might turn into a claim because, we will usually need to send out a claim assessor to investigate the circumstances.

It is important to note the names and contact details of any witnesses - and where practical take photos of the area where the loss/injury occurred.

Negligence is no longer absolute and courts will pay attention to the things that you do to minimise the risk of injury to other persons, for instance if a customer trips and falls due to a spillage on the floor, it is imperative the area be quarantined from further passage of persons until the spillage be cleaned and dried so that the floor is no longer slippery.

To learn more about public liability insurance please click on the links below:

Personal Responsibility

Contracts That May Affect Insurance

What is Product Liability

If CPI so desires, they shall be entitled to take over and conduct in your name, the defence or settlement of any claim. They shall have total discretion in the way and manner any proceedings are conducted, including conducting a defence or settlement of a claim and/or subrogation of a claim and you shall agree to provide them assistance as required in the assessment of, the defence of, prosecution of, settlement of or subrogation of any claims.

Claims are administered in Australia by Practical Insurance Claims Administration Pty Ltd ("PICA"). However, we shall have sole authority to make all decisions in respect of claims administration and related matters, including in respect of disputes and the payment of claims. Contact details for PICA':-