Depends…..Although not always as technically rated as other insurance classes, most underwriters use a rating system based on limits and deductible required, industry, turnover and claims history. In a hard market they may even want to see your quality and risk management procedures before they will even insure you. Unless you are in an industry that deals closely with members of the public (ie hospitality, retail) you may find that you can get decent public liability cover for around $500 as an extension to your business or professional indemnity policy. Best thing to do is talk to your broker or get a free quote online. For example




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