> Public Liability <

Public Risk or Public Liability Insurance covers injury to persons, other than employees or yourself, resulting from your normal business activities.

If someone on, or near, the premises your firm is treating is hurt because of your activities, then that person, or their family, may claim compensation for the injury, and any expenses they incur as a result.

Claims of this nature may take years to go through the legal system. You need to be sure therefore that you have sufficient cover now, to protect you against a settlement amount that will be determined in several years time. Even simple accidents e.g. someone trips over your hose could involve a large pay out.

> General Liability <

As mentioned above, this is usually combined with Public Liability (Risk) Insurance. General Liability covers damage done to a property as a result of work carried out by you or your Firm.

If your technician stains the paintwork or the carpet; then you or your Firm can expect a claim for compensation.

General Liability DOES NOT cover you or your Firm for damage or injury caused by the failure of your treatment. For this you must carry Professional Indemnity Insurance.

> Environmental Impairment Insurance <

This is often referred to as Sudden and Accidental Pollution Cover. It covers the cost of containment and clean up of a spill that causes or could cause environmental impairment or pollution. These costs can run into many thousands of dollars.

It particularly protects you in the event of chemical spilling from the property you are treating and contaminating waterways, Waterboard drainage systems, etc.

It does not cover you for spillage from your vehicle. For that you require PestShield™ Vehicle Insurance.

If you would like further information in regards to this product, or a proposal form, please contact us here or phone 02 4954 3655.