General and Public Liability covers you for personal injury or property damage occurring in connection with your normal business activities.
We offer up to $20,000,000 liability cover with competitive premiums on a policy wording, underwritten by Pacific International Insurance Pty Limited, which is specifically worded for your industry.
Personal injury can occur if someone on, or near, the property that you are working at is hurt because of your activities. That person, or their family, may claim compensation from you for that injury, and any expenses they incur as a result.
An injury can occur from someone simply tripping over your equipment or slipping on an area that you have treated. Property damage can occur by your equipment scratching or marking floors or furniture, the inspector or technician falling through the ceiling or an animal being injured or poisoned by the chemicals.
Damage caused by the unintended and unexpected spray drift is also covered under this policy.
Claims of this nature, especially personal injury can take many years to go through the legal system. You therefore need to be sure you have sufficient cover now, to protect you against a settlement amount that will be determined in several years time.
Environmental Impairment Insurance
This is often referred to as Sudden and Accidental Pollution Cover and is covered by our liability policy. It covers the cost of containment and clean up of an accidental or unintentional chemical spill or discharge that could cause environmental impairment or pollution. These costs can run into many thousands of dollars.
It protects you in the event of chemical spilling from the property you are treating and contaminating waterways, waterboard drainage systems, etc.
However it does not cover you for spillage from your vehicle. For that you require PestShield™ Vehicle Insurance.
Liability insurance DOES NOT cover you or your Firm for damage or injury caused by the failure of your treatment. To be covered for this you need to have Professional Indemnity Insurance.
If you would like further information in regards to this product, or a proposal form, please contact us or phone 1300 309 169.
The above is intended as a summary only of the policy.