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Are you looking for a quote on public liability insurance for your business?
We have access to a network of insurance brokers and advisers located around Australia who specialise in insurance for small business owners.
When seeking online quotes for your insurance there are a few things that you need to be aware of, and some of these tips will help to ensure you are getting the best quotes available.
Types of online quotes
When it comes to getting quotes and information on public liability insurance online there are two ways which you can go.
Some websites out there offer instant online quotes, whilst others can take 24 hours or longer to provide your quotes. Which is best for you? We’ll take a look at the two options below.
Instant quotes
There are a small number of websites in Australia which offer instant public liability insurance online quotes.
These websites aren’t all the same however. Whilst there are one or two websites which provide you with multiple quotes from different insurance companies, many simply provide quotes from a single insurance company.
Another limitation of these websites is that they are just machines. This is great for speed, but it means you are missing out on the knowledge of an experienced insurance adviser.
There’s no doubt that an instant quote is the easiest way of finding out the public liability insurance cost for your business, but it is important to know what you’re doing.
Non-instant quotes
Here at publicliabilityinsurance.com.au we do not provide instant quotes online, however we do collect a large amount of information from you to ensure that we can provide a quote to you as quickly as possible.
Instead of letting a computer decide what is best for you and your business, we use a network of insurance brokers and adviser who can analyse your needs and provide personalised public liability insurance quotes.
Whilst this type of quote will never be as quick as an instant quote, many business owners find that the advice and benefits they receive are more than worthwhile.
What to look out for
If you are obtaining an instant online quote the first thing to look at is whether or not the website is just providing quotes from a single insurance company. If this is the case you may not be getting the best deal.
One of the biggest issues when obtaining online quotes for public liability insurance is the amount of information that you are providing about your business activities.
With insurance it is absolutely vital that you provide all relevant information about your business to the insurance company. Even if the website form doesn’t ask you about something, your duty of disclosure means that you are still legally obliged to tell them.
Online insurance quote forms often don’t cover all of the information relevant to a business. Unless you make the effort to provide the extra information, you could find yourself in trouble when you need to make a claim.
Here at publicliabilityinsurance.com.au we do our best to avoid this situation by not providing instant quotes, and instead referring your details to a qualified insurance broker or adviser to review before preparing your quotes.
In many cases our forms will collect enough information from you to provide an indicative quote, but if more information is required you will be contacted by a broker or adviser.
What is the best option?
The best option for you and your business will depend on your own needs and objectives.
If you run a very straightforward business and have a good understanding of public liability insurance, then obtaining an instant quote and proceeding with cover online could be a good option.
But if your business isn’t so straightforward (as most aren’t) or if you don’t have a good understanding of public liability, then obtaining an online quote might not be the best option for you.
For more information about a public liability insurance online quote please contact us, or simply complete our online quote request and one of our insurance experts will contact you.