Just a correction on this statement: > In terms of PL, if you're sitting at a client's office (or potentially in a > cafe), doing some work, and someone trips over your laptop bag, you could > well be liable for PL. You'll likely also need it for tradeshows and things > like that. Good news is, it is pretty cheap. >
PL (public liability) is assigned to a nominated location to cover for injuries to anyone that occur on that site. So if someone trips over your laptop bag, but its in a cafe - then the cafe's public liability covers it. Similarly if this happens at a client's office, its the client's PL that needs to cover for the injuries expenses. Regardless of how it occurred, who is at fault. That's why its called PUBLIC liability. Depending on the tradeshow organisers, some may specify for you to take out PL - but only on your exhibition floor space, not the common areas (just another way for them to reduce their overheads by passing the extra cost onto you). I agree with Steve Dalton that it is quite unnecessary if you work from home developing software. One might only seriously think about taking out PL under a case scenario where you receive a high number of client visits eg home business chiropractors. Even then, you would only take out PL for the space used for the business, not the whole home (they typically ask for type of business, sqm area, fire exits and building safety, etc when assessing your premium). -- You received this message because you are subscribed to the Silicon Beach Australia mailing list. Guidelines on discussion: http://tr.im/ujKF No lurkers! It is expected that you introduce yourself: http://tr.im/ujMm To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/silicon-beach-australia?hl=en?hl=en
