Public Liability Insurance

What Is Public Liability Insurance?

Public Liability Insurance (PLI) protects your business if a third party (a client, member of the public, or other contractor) suffers injury or property damage because of your business activities. It helps cover:

Legal defence costs if someone sues you
Compensation payouts for injury or damage
Associated legal and settlement costs

all up to your policy’s limit of indemnity.

For example, if you accidentally drop a tool that damages a customer’s property while installing an air conditioner, PLI helps cover that cost.

Why Air-Conditioning Contractors Need It

Even careful air-conditioning work involves risks:

You’re working in clients’ homes or commercial sites
Tools and equipment may cause accidental damage
People may be injured around work areas
Most clients, principal contractors and property owners require proof of insurance before you start work

Air-conditioning installation, servicing or repair often takes place in tight spaces, on ladders, rooftops or confined areas, increasing chances of accidental damage or injury.

Many commercial or government contracts won’t allow access to worksites unless you provide a current Certificate of Currency showing adequate PLI cover. Connect Business Insurance Brokers

What PLI Doesn’t Cover

Injury to your own employees (that’s covered by workers’ compensation)
Damage to your own tools or vehicles (that would require separate tool or vehicle insurance)
Professional errors (e.g., design mistakes — that’s professional indemnity insurance)