Protect your lifestyle

Business Liability Insurance

Reliable offers complete coverage of Business Liability Insurance from exposures that can arise from the legal duties associated with the ownership, use, occupancy, possession and control of land. Coverage includes any financial liability incurred in addition to expenses related to the company's legal defense.

If you are a small business owner, your form of ownership - especially a partnership or sole proprietorship - could put your personal finances at risk in the event of a business-related lawsuit. Even under a limited liability corporation (LLC) you could still be exposed to personal risk. Business liability insurance can provide you with greater insurance protection than is offered by your legal structure.

An example of a claim

A plumber was working on a domestic property within a block of flats but failed to fit caps properly whilst undertaking the repairs. This error caused water damage in the property for which he had been hired, as well as the property below.

What did the insurance company pay for?
Damage caused was covered under the Public Liability section, costing a total of $15,000.

What did the insurance company not cover?
$250 excess and any element of profit on the remedial works

Details to look out for on your policy

• Is your business covered for the right things? For example, if you work at heights above 10m, is this covered?
• Which exclusions are on the policy? Cheaper quotes may exclude circumstances that are important for your business.
• Have you chosen the right level of cover for your business and a level that is acceptable for your clients?

Get Started

• Build your ideal cover using our simple form
• Add on any additional covers you need
• Compare a range of quotes from trusted insurers
• Buy your policy online or speak to an expert on the telephone
• Receive your documents online instantly
• Up to 50% no claims discount