Over the years it has become possible to obtain quotes and take out cover on a range of insurance products online.
Initially it was the basic products such as home and car insurance, followed by more complex covers such as life insurance and income protection.
The next logical step was business insurance, and today there are a range of business insurance types which can be quoted and applied for online.
Whilst not all forms of business insurance are suited to the online world, public liability insurance is now available online for a growing number of business types.
Online Services Available
There are a range of services available when it comes to online public liability insurance, and not all providers are the same.
The most basic level when it comes to online services is the simple information website. These sites offer information on public liability and in many cases the ability to make an online enquiry.
The next level up allows you to submit a detailed online quote request for your insurance. The level of information required can vary, but generally the more information you provide, the more comprehensive quote you will receive.
Whilst these websites do not offer instant online quotes, they can generally provide you with a quote within a 24 to 48 hour period.
At the top of the tree are a small number of websites which offer instant online quotes for public liability insurance. Whilst not all business types can obtain an instant quote, many uncomplicated business types are catered for.
Some of the online services which offer instant quotes also give you the ability to take out your cover and receive your policy documents instantly online.
Is It Safe?
There are some very reputable players when it comes to online public liability insurance, so it’s fair to say that overall it should be considered safe. But as with everything online, you need to be careful.
Whilst some websites are run by licensed or authorised insurance brokers and advisers, there are also many which are operated by people outside of the industry simply to generate leads which they can sell.
Websites operated by or affiliated with licensed or authorised insurance professionals are generally the better option, as you know you are dealing with a business which has met certain requirements and is subject to the financial services laws in Australia.
Another consideration for business owners is whether or not they feel comfortable in taking out such an important form of insurance via the internet.
The laws surrounding legal liability are complex, and therefore public liability insurance also has to be considered as a complex form of cover.
Obtaining an instant quote and proceeding with cover online may seem convenient, however you will not have the assistance of a qualified insurance broker or adviser to guide you through the process, and if something goes wrong with a claim you could be left on your own.
Plenty of businesses do safely take out cover online, but you need to be aware of the risks when taking on the responsibility yourself.
Public Liability Insurance Australia
Here at Public Liability Insurance Australia we believe we have the right structure in place to ensure that business owners and operators can cover themselves in the most effective way.
We believe that it is important to speak with a qualified insurance adviser before you take out cover to ensure that you are getting the right cover for your needs.
We allow business owners to request a quote via our website, and we obtain sufficient information to ensure that our insurance experts can put together a detailed picture of your business and provide quotes accordingly.
Our partners are experts in their field when it comes to public liability insurance, and their qualified insurance brokers and advisers will be able to assist you with quotes and advice on your insurance needs.
One such partner of ours is Trade Risk. They are considered to be the experts when it comes to insurance for tradesmen, so all such quote requests are forwarded to them for completion.
This approach helps to ensure that when you request a quote from our website you are receiving expert advice from a qualified insurance professional who specialises in your industry.
If you would like to obtain a quote on cover for your business please complete our online public liability quote request or contact our office.