For Business Owners

Public Liability Insurance

Essential protection for your business against unforeseen accidents that may result in injury to others or damage to third-party property.

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Our Insurance Partners

What is Public Liability Insurance

Public liability insurance provides financial protection for businesses if a third party suffers injury or property damage as a result of your business activities.

Whether the incident occurs at your premises, a client’s site, a job location, or during normal business operations, public liability insurance helps protect your business from costly legal claims and compensation payments.

This type of insurance is suitable for businesses of all sizes across Australia. Our role is to understand how your business operates and help arrange a public liability insurance solution tailored to your specific risks.

What’s usually covered in a Public Liability insurance policy?

Public and products liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by your business. It can even cover emotional distress or shock that your business causes another person.

It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay.

Common areas of cover include:

  • Injury to third parties (customers, clients, members of the public)

  • Damage to third-party property

  • Legal defence costs

  • Compensation payments you are legally liable to pay

  • Advertising injury

  • Emotional distress or shock caused to a third party

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Who can we help

Industries that can we assist with Public Liability insurance:

  • Retail Shops

  • Restaurants and Cafes

  • Construction and Trades

  • Manufacturing

  • Warehousing

  • Office-based Businesses

  • Service-based Businesses

  • Healthcare

  • Education Centres

  • Childcare Centres

While public and product liability insurance isn’t mandatory for most businesses, it is recommended for all companies. 

That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being sued can be extraordinarily high.

What They Say About Us

Frequently Asked Questions

  • As a business owner, you are responsible for third parties who interact with your business, including customers, suppliers, and visitors. If an accident or property damage occurs as a result of your business activities, legal action may be taken against you.

    Public liability insurance helps protect your business from the financial impact of legal fees, claims, and compensation payments.

  • Public liability insurance can cover your business for:

    • Legal costs involved in defending or settling a claim

    • Claims arising from injury to third parties

    • Damage to third-party property

    • Loss or damage to goods in your care, custody, or control

    • First aid expenses incurred at the time of an incident

    • Claims involving people acting on behalf of your business

    This is a general summary only. Policy terms, conditions, and exclusions apply.

  • Public liability insurance generally does not cover:

    • Injuries to your employees (covered under workers compensation insurance)

    • Asbestos-related claims

    • Aircraft-related products

    • Gradual pollution

    • Product recalls

    • Punitive or exemplary damages

  • There is no one-size-fits-all answer. The amount of cover you need depends on your business activities, risk exposure, and any contractual requirements.

    Common levels of cover include:

    • $5 million

    • $10 million

    • $20 million

    Higher limits may be available upon request.

    Public liability claims can be costly, so selecting an appropriate level of cover is essential to protect your business financially.

  • Examples of claims that may be covered include:

    • A customer slipping and falling at your premises

    • Damage to a client’s property while performing your service

    Injury caused by a product you manufacture or supply

  • Public liability insurance does not cover claims arising from professional services or advice.

    Professional indemnity insurance is required to cover financial loss caused by errors, omissions, or negligence in professional services.

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