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Liability Insurance for Your Business

Comprehensive Legal Protection for Business Operations


Liability Insurance provides essential protection when your business faces legal responsibility. This may arise from the alleged causing of injury or property damage to third parties. This coverage encompasses compensation claims, including legal defence costs and settlement amounts. Public Liability Insurance is particularly critical for businesses with public interaction. This could be through product sales, service provision, or client premises visits.

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About Liability Insurance

Tailored Risk Management Solutions for Every Business

At Dunk Insurance, we deliver comprehensive Liability Insurance solutions. Our policies are meticulously designed to address your specific business exposures. Our coverage portfolio includes:


Public Liability.

Protection against claims for third-party injury or property damage arising from business operations


Products Liability.

Coverage for claims resulting from defective or faulty products supplied by your business


Association Liability.

Specialised protection for non-profit organisations and industry associations


Event Liability.

Comprehensive coverage for event organisers against claims arising during managed events


Each coverage type ensures robust protection against unexpected legal claims. This enables confident business operations free from liability concerns.

Why Choose Dunk Insurance for Liability Insurance?

We have over four decades of expertise protecting businesses across all sectors and scales. Dunk Insurance has established unparalleled proficiency in liability risk management.


Our specialised Liability Insurance solutions provide comprehensive protection against claims. Especially ones alleging injury, property damage, or negligence arising from business operations.


Our commitment to personalised service ensures precisely calibrated coverage. This is aligned with your specific risk profile. It enables you to concentrate on core business activities without the burden of liability exposures.

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Safeguard Against Financial Exposure

Property damage or personal injury can lead to big compensation claims against your business. Liability insurance offers strong financial protection. It covers legal fees and compensation payments. This helps businesses recover without facing huge financial losses.

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Protection Against Legal Claims

When accidents result in third-party losses, your business may face significant liability exposure. Liability Insurance provides robust defence against associated costs. This includes settlement amounts and legal representation. It also enables continued business focus during claim proceedings.

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Ensure Operational Continuity

Legal claims can create significant operational disruption. Liability Insurance provides essential financial resources. It ensures business continuity even when facing litigation or third-party claims. This minimises operational downtime and maintaining commercial momentum.

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Preserve Corporate Reputation

Your business reputation represents invaluable commercial capital. Liability Insurance protects against financial exposure and facilitates efficient claim resolution. It maintains stakeholder confidence and preserving client relationships.

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Report the incident

Contact our claims team right away if you notice any incident that might lead to a claim.

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Provide details

Provide policy details and complete incident information to facilitate prompt assessment and response.

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Assessment

Our experienced claims specialists conduct thorough evaluations. We provide guidance through all procedural requirements.

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Resolution

We pursue expeditious claim resolution while maintaining transparent communication throughout the entire process.

For claims support, call us at (02) 6382 7447 or reach out to your local Dunk agent.

More Information About Claims

Stay informed and in the loop.

Checklist for Insuring Your Private Aircraft and Motor Vehicles

By Callum Gracie • August 8, 2024
Owning high-value assets such as private aircraft, motorcycles, or luxury vehicles is a significant investment that requires adequate protection. With the right insurance coverage, you can safeguard your assets from unexpected risks. In this guide, we’ll explore what to consider when insuring high-value items, the differences between insurance types, and common mistakes to avoid.

Understanding Crop Insurance

By Callum Gracie • August 8, 2024
Farming in Australia can be unpredictable, with everything from hail and floods to extreme heat posing a threat to crops. Protecting your livelihood through crop insurance is one of the best ways to manage the risks associated with running a farm. Whether you grow wheat, manage vineyards, or cultivate orchards, Dunk Insurance offers tailored crop insurance solutions designed to protect your crops and your income from a variety of natural and man-made risks. In this guide, we explore the different types of crop insurance available, how it works, and how to choose the right coverage for your farm.

Protect Your Rural Property from Natural Disasters

August 8, 2024
Rural properties are the backbone of Australia’s agricultural landscape, providing livelihoods to thousands of farmers and rural communities. However, living in regional areas often means facing unpredictable natural disasters such as bushfires, floods, and storms. Preparing your property for these risks can save not only valuable assets but also lives. In this guide, we explore practical steps rural property owners can take to protect themselves, and how rural insurance can help mitigate financial losses when disaster strikes.

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  • What is Liability Insurance?

    Liability Insurance protects businesses against legal claims from third parties. It alleges injury, property damage, or financial loss caused by business activities. Coverage encompasses legal defence costs and compensation payments when liability is established.

  • What types of Liability Insurance do you specialise in??

    Our comprehensive liability portfolio includes:


    Public Liability: Protection against injury or property damage claims from business operations.


    Product Liability: Coverage for claims arising from products supplied or manufactured.


    Association Liability: Specialised protection for non-profit boards and committees.


    Event Liability: Comprehensive coverage for public and private event organisers.



  • Who needs Liability Insurance?

    Any business with public interaction, product sales, or physical premises. They should maintain appropriate Liability Insurance. 


    Coverage is key for:  


    • Trade professionals.  
    • Contractors.  
    • Retailers.
    • Hospitality venues.  
    • Event organizers.

  • Does Liability Insurance cover my employees?

    Liability Insurance covers claims made by third parties, not your employees. For injuries or accidents involving staff, you will need Workers’ Compensation Insurance.

  • What’s the difference between Public Liability and Product Liability?

    Public Liability addresses incidents occurring on premises or during business activities. Product Liability covers claims arising from defective products manufactured, supplied, or sold by your business.

  • Is Liability Insurance mandatory in Australia?

    Not universally mandated, Liability Insurance represents prudent risk management. Especially for businesses with public interaction. Claims can generate substantial financial impact and reputational damage without appropriate protection.

  • What should I do if my business operations change?

    Material changes to business operations. This includes growth, relocation, or activity modifications. It may impact coverage requirements. Notify Dunk Insurance promptly to ensure policy adjustments maintain appropriate protection levels.

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