Public and products (broadform) liability insurance policies provid insurance cover in respect of insured's liability for loss or damage caused negligently to third parties, who are not the insured, as a result of an occurrence in connection with the insured business.

1. Public and Products Liability
Insurance Policies

2. Liability Insurance Policies
Public and products (broadform) liability insurance policies provide insurance
cover in respect of insured's liability for loss or damage caused negligently to
third parties, who are not the insured, as a result of an occurrence in
connection with the insured business.
It indemnifies the insured business against legal liability to pay compensation
in respect of personal injury or property damage claims arising in respect of
the product and/or service sold or supplied by the insured, however it does
not cover product warranty and is always subject to terms, conditions and
exclusions.

3. Personal Injury
Cover includes:
• Death, bodily injury, sickness, disease, disability, shock, fright, mental
anguish and mental injury
• False arrest, wrongful detention or imprisonment, and malicious
prosecution
• Wrongful eviction
• Assault or battery
• Libel, slander, defamation of character or invasion of the right of
privacy

4. Property Damage
Cover includes:
• Physical damage to tangible property
• The loss of use of tangible property which has not been damaged but
cannot be used due to damage to other tangible property

5. Liability Insurance Quote
To obtain a quotation, enquire online at www.optimuminsurance.com.au.
In most circumstances we are able to provide an quote over the phone. If
you would like to discuss your needs further, contact us on 1300 739 861.
Policy coverage is always subject to the terms, conditions and exclusions of
the insurance contract and policy wording provided by the insurer.
Each insurance company has its own policy wording. This means that
coverage can vary considerably from one insurer to another. It is vital that
you compare each policy based on the appropriateness of cover for your
individual or business needs.
As Insurance Advisers, it is our role to understand the terms and conditions,
so contact us now for advice and a quote.

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7. Contact Us
Phone +61 1300 739 861
Fax +61 1300 732 225
Hours 9.00am to 5.00pm (EST)
Monday – Friday
Email service@optimuminsurance.com.au
Website www.optimuminsurance.com.au
Presentation Disclaimer –– “This material contains general information only and may not suit your
particular circumstances. To decide if a policy is right for you please carefully read the relevant Product
Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by
contacting our office on 1300 739 861;”
Disclosure Statement – “Optimum Insurance Services Pty Ltd is a Corporate Authorised
Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services
Licence No 240549, ABN 15 003 886 687.”