This is the privacy policy statement for Liability Insurance Australia and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, Liability Insurance Australia may collect your name, phone number, email address, postcode and other details relevant to the type of service you are requesting.
This information is used to facilitate your referral to a participating third-party broker, lender, insurer or other provider. Liability Insurance Australia, on behalf of Clark Family Pty Ltd, will ordinarily provide your enquiry to a participating provider selected through our referral network so that they can contact you directly and provide the services you have requested.
We may also disclose information where reasonably necessary to administer your referral, respond to your enquiry, meet our legal or regulatory obligations, investigate a complaint, or manage the operation and compliance of our referral service.
We may also receive information from participating brokers, lenders, insurers or other providers about the progress or outcome of an enquiry, application or referral, including through secure electronic systems or APIs. We may use this information for purposes connected with administering the referral, customer service, quality assurance, record keeping, remuneration or referral reconciliation, complaint handling, and compliance or regulatory reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your enquiry.
Disclosure of Personal Information
We may disclose your personal information to participating brokers, lenders, insurers or other providers where necessary to facilitate the referral or service you have requested. We may also disclose personal information where reasonably necessary to administer our referral service, respond to an enquiry or complaint, comply with legal or regulatory obligations, or engage service providers that assist us in operating our business.
Participating providers are required to handle personal information provided through our referral service in accordance with applicable privacy laws and the requirements governing their participation in our referral network.
We do not currently disclose personal information to overseas recipients. If our information-handling practices change and personal information is likely to be disclosed to recipients outside Australia, we will update this Privacy Policy as required.
Please note: Once you are referred to a third-party broker, lender, insurer or other provider, that provider's own privacy policy and terms will apply to information you subsequently provide directly to them.
Cookies and Tracking Technologies
Liability Insurance Australia uses cookies and similar technologies to support website functionality, maintain session information, understand how visitors interact with our website and improve system performance and user experience.
We may also use third-party analytics, advertising or measurement services that use cookies, pixels or similar technologies. Depending on the technology used, these services may collect information about your device, browser, pages visited and interactions with our website.
Where these technologies involve the collection, use or disclosure of personal information, we take reasonable steps to ensure that they are used consistently with applicable privacy requirements. We seek to limit the information collected to what is reasonably necessary for the relevant purpose.
You can control or disable cookies through your browser settings. Where additional consent is required for particular tracking or advertising technologies, we may provide additional notices or consent controls when you use the website.
Security and Retention of Personal Information
We take reasonable steps to protect personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. These measures may include access controls, secure systems, authentication measures and other technical and organisational safeguards appropriate to the information being handled.
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including administering referrals, responding to enquiries, maintaining appropriate business and compliance records, resolving complaints and meeting legal or regulatory obligations.
When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to any legal or record-keeping requirements.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access, such as photocopying or postage.
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete or misleading. We will respond to access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing or provide information necessary to verify your identity before providing access to personal information.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
Welcome to our comprehensive guide on public liability insurance, an essential safeguard for businesses across Australia. Navigating the complexities of liability insurance can be a daunting task for many business owners, but it’s a critical component of your business protection plan. If incidents such as accidents or property damage occur, liability insurance is the barrier that stands between your business and financial calamity. - read more
Public liability insurance can help protect event organisers from the financial impact of third-party injury or property damage claims. In Australia, venues and councils may ask for proof of cover before an event can proceed, so it is important to understand how this insurance works and what to consider when arranging it. - read more
A certificate of currency is commonly requested by clients, principals, site managers and tender panels as proof that a contractor's liability insurance is current. Here's what it usually shows, what it does not prove, and what Australian contractors should check before submitting one. - read more
Public liability insurance is designed to protect your business from financial loss if you are found liable for causing injury or property damage to a third party. This type of insurance covers legal costs and any compensation claims that might arise from accidents or incidents involving your business operations. - read more
Liability insurance is not automatically mandatory for every Australian business, but it can be required by law, licence conditions, contracts, leases, tenders, professional rules or event permits. This guide explains when cover may be compulsory and how to check your obligations. - read more
A fresh safety recall affecting 3,710 Isuzu MY25 trucks is a timely reminder that modern truck insurance risk is not only about driver behaviour, road conditions or workshop servicing. Software, trailer systems and electronic braking signals can all become part of the evidence trail if an incident occurs. - read more
Australia’s life insurance sector is moving into a detailed debate over how mental health conditions should be treated in disability-style cover, and the outcome could matter for business owners who rely on insurance to protect income, debt and operational continuity. - read more
A new Life Code Compliance Committee inquiry has put renewed attention on how Australian life insurers manage longer-running claims, finding that avoidable gaps in information requests and customer communication can add pressure to already complex total and permanent disability and income protection matters. - read more
Australian life insurance claims performance is back under scrutiny after APRA released its latest Life Insurance Claims and Disputes Statistics on 16 October 2026, covering the rolling 12 months from 1 July 2025 to 30 June 2026. ASIC’s MoneySmart claims comparison tool was also updated on 26 October 2026, giving consumers and business owners a clearer way to compare insurers by accepted claims, decision times, disputes and cancellation rates. - read more
A new Life Code Compliance Committee inquiry has sharpened attention on how life insurers manage longer-running total and permanent disability and income protection claims, finding that earlier information requests and clearer communication could reduce avoidable delays for people already dealing with illness, injury or loss of income. - read more
Disability Insurance: A type of insurance protection that pays a portion of a person's income lost due to a total or partial disablement arising from either an accident or a sickness.
