ABN 25 145 508 283
AFS Licence Number 385212
Public and Product Liability
Our public and products liability insurance will cover you if any claim is brought against you resulting from property damage or personal injury inflicted as a result of your actions. We offer a complete solution for business. This type of coverage is essential for businesses and individuals to protect themselves from liability lawsuits. Regardless your type of business, it can be costly to defend in court.
Who is covered? Your policy should cover your business, including any subsidiary companies. In addtion, your staff, employees, directors or partners. We offer comprehensive plans which range from 5 to 20 million dollars of protection.
Now you can be insured from a company whose name you trust. We are part of Jim's Group, the second largest franchise in Australia. Let Jim do the work for you! Request a free quote today! Our professional agents will be happy to tailor a solution that meets your needs.
Regardless of what type of business you operate, there is something that can go wrong. In the unfortunate event that this happens, there are a number of costly actions that can be brought against you. Even if you are not at fault, legal expenses to defend yourself can be considerable.
The solution: coverage that protects you from public and product liability. This type of coverage will shield you from legal and court costs, in the event someone is injured or has their property damaged as a result of your business activities.
Jim's Group experts can protect you from liability claims. Our friendly staff can help you get public liability insurance in Sydney, Perth, Brisbane, Adelaide, and Melbourne.
Get started today by submitting our "request a free quote" form. We will contact you to help sort your options for your business.
Having recently celebrated its 25th anniversary, Jim's Group is one of the oldest and most trusted franchises in Australia.
Protect yourself in NSW with the help of our experienced agents. Jim's Group has professionals who can help you today.
Contact us to see if we offer liability coverage in your area. We are a branch of the globally recognised and well respected Jim’s Group brand. Just like all of the Jim’s Group services, (JIS) is dedicated to customer service and delivering products that meet your requirements. We hope to build long lasting relationships with all of our clients based on great service, expertise and reasonably priced products.
JIS has highly skilled, experienced and friendly staff that can provide you with honest advice based on your needs. Whether you need coverage in Sydney, Brisbane, Perth, Adelaide, or Melbourne, we can provide you with the services you require.
We look after businesses all sizes and types, from single-man tradesmen to larger professional corporations. We can provide quotes for many different types of cover, including tools and equipment, management, commercial building, liability, and many more.
We understand that a major indicator of great customer service is how a claim is handled. We have systems in place to make sure that in the event of a claim that the service you expect is delivered during this stressful time. Our first priority is the welfare of our clients, which is what the Jim’s Group brand stands for.
If you have an enquiry of any kind, please contact our dedicated team or complete one of our forms for business insurance online quote.
It is exciting to be in a newly constructed or renovated building. But it’s not easy and simple as it saying. It begins with finding a best suitable land, with number of site preparations, designing of the building, finding of the best bid for the construction, completion of services and many more. As the process are much more time and money consuming than thought, it is mandatory to have a suitable construction insurance policy for the work out as well. Also the construction work can be affected by various risk factors, so the selection of well-designed and every aspect covered construction insurance is critical.
When any construction work goes on, there are insurable interests in materials, equipments or resources. Insuring such parties from being damaging the structure and the process of construction is called construction insurance. Construction insurance provides coverage for natural and man made disasters, cover for materials, hazards such as fire, electrical shortage, cover for workers or employees, etc. simply, the things available in a construction site that are vulnerable or at risk, construction insurance covers them all. It is simply a method of risk transferring at construction site, so each and every construction project should check with such insurance policy.
The range of
• Look after every kind of property damage at construction site and possible financial losses.
• If the construction work cannot meet deadlines due to delays in supply chain, possible profit loss will be covered.
• If the stock of raw materials get deteriorated or damages to the machinery and equipment that are essential for the construction work process, the losses will be covered by the policy too.
The type of construction insurance policy varies with the type of construction and end product. But there’s a general process common to all. Anything under the construction agreement should be included into the insurance policy. If any additions are made in the process, those types should be included into the insurance scheme immediately. In certain cases, these types of extra additional construction works might not be allowed by the insurance policy document. Therefore, it is very important to plan properly before start of the construction work and legal aspects have to be defined well before judgement.
Construction projects are very fragile and it can go wrong anytime with single mistake. Especially for investors construction insurance policy is so important due to the risk involvement in monetary terms is so high during any collapse. There are soft costs involving in any construction failures such as loan interests to banks, attorney fees, court case charges if any other neighbouring properties involved, etc. Every construction insurance policy does not cover all the aspects like soft costs. Therefore, it is important to consider every unforseen aspect of construction site before obtaining the construction insurance. Also it is recommended to look for the history of the site and types of elements at risk in the surrounding environment if any construction failure occurs. Availability of these types of soft costs coverage in the construction insurance policy document is important to read before proceeds.
As usual, every construction insurance policy has its own exclusions. Some of the aspects are provided by the company with added premium. It is useful to see the cost of extra premium and types of exclusions by the selected construction insurance policy before signing of agreement. Some of the exclusions common here are thefts by own workers and employees, war situations, damages caused by earth movement, breakdown due to poor maintenance or any losses that cannot be proved with evidence of cause.
The language used in the construction insurance agreement is critical, though most are neglecting this. The language is complex and more legal oriented in the document so some clauses may not be 100% understandable by general person. It is OK to sign without considering the complexity, but the issue can arise when it goes in to the claiming of damage loss. There might be aspects which are not agreed by simply a word or two by insurance company which insurer may not be aware of. It is far too late to fight in a claim process or in a court case. Therefore it is mandatory to read carefully the agreement and understand the cause of actions in which the claims can be accepted.
So it is evident that every construction needs construction insurance policy to avoid unforseen challenges faced by construction work both natural and man-made causes. As the construction industry is a boom in the world, the types of construction insurances come in different modes and with attractive packages. Whatever the offering is, it might be useful if the appropriate insurance has been selected by any individual after consulting a professional in the field.