Norwest NSW
Care, Custody and Control Insurance
Public liability often excludes property that is in your physical care, custody or control. That gap is where cleaners, tow operators, workshops and contractors get caught.
Care, custody and control cover responds when something you are looking after is lost, damaged or stolen — subject to the policy wording and limits.
Who it suits
- Tow and recovery operators holding vehicles in a yard
- Cleaners handling client property or premises
- Workshops and mechanics with customer vehicles
- Contractors holding materials or equipment for a client
What it can cover
Property in your care
Customer vehicles, goods or items while you hold or work on them.
Damage while in your control
Accidental damage that happens under your care, where the policy includes it.
Theft from your premises or yard
Subject to security conditions and the policy limit.
What to check
The limit
Set it against the highest value you hold at once, not an average day.
Public liability exclusions
Standard liability often excludes property in your CCC. Do not assume it is included.
Yard and storage conditions
Insurers may require fencing, lighting or locked compounds.
Case study
An example
A tow operator stores three customer cars overnight. One is stolen from the yard. Care, custody and control cover can respond to the stolen vehicle, subject to the wording and security conditions. Standard public liability alone often will not.
Illustrative example only. Cover depends on your policy wording.
Contact us
Before you call, it helps to know:
We're at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW 2153. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Care, custody and control FAQs
No. Public liability often excludes property in your care, custody or control. CCC cover is arranged for that gap.
Often yes, if you handle client belongings or hold keys and access to premises. Tell us how you work.
Only if CCC (or similar care of vehicles) cover is included and limits match how many cars you hold.