Public Liability Insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.
Q&A with
Paige Estritori
Public liability insurance can help protect a business against claims for injury to third parties or damage to their property arising from business activities, subject to the policy terms, conditions, limits and exclusions. It can be an important part of a business risk management approach.
We connect business owners with insurance brokers who can help them explore public liability insurance options.
Potential risks include a customer being injured at your premises or damage to someone else’s property while you are working at their site. Check which business activities and locations the policy covers, and how it treats compensation and legal defence costs for covered claims.
When considering public liability insurance, look beyond the amount of cover. Check the treatment of customers’ goods in your physical or legal control, including exclusions and any available extensions or sublimits. If you sell or manufacture goods, ask whether products liability is included and what restrictions apply; do not assume all these risks are covered.
Public liability is different from professional indemnity insurance and workers compensation. Check exclusions relating to professional advice or services and employee injuries. If you need professional indemnity insurance, you can make a professional indemnity insurance enquiry.
Public liability insurance policies can vary considerably in premium rates, terms and conditions, and available options.
Compare the premium, excess, cover limits, exclusions and any fees on a like-for-like basis. Ask how legal defence costs affect the cover limit. Your business activities, turnover, claims history and chosen cover can affect the cost. Check any insurance requirements in your contracts, leases or event arrangements rather than relying on price alone.
Read the policy wording and schedule for incident-reporting requirements. Keep relevant photographs, witness details and correspondence, and contact the insurer or broker promptly after an incident that may lead to a claim. Check the policy’s requirements before admitting liability or agreeing to a settlement.
Enquire online to discuss your business activities, cover needs and available quote options with an insurance broker.
Request a public liability insurance quote through a broker
Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.
Term Life Insurance [click]
Calculate the amount of life insurance protection you need to meet your objectives.
Income Protection Calculator [click]
Our income insurance calculator estimates the monthly income insurance benefit that you can buy.
Contents
Insurance Calculator [click]
Use our home and contents insurance calculator for a room by room evaluation of
your household contents and personal effects.
| The Risks of Operating a Home Based Business Without Public Liability Insurance Public liability insurance is a type of insurance that helps protect businesses from financial losses incurred due to legal claims made by third parties. In the case of home-based business owners, public liability insurance can play a crucial role in ensuring the smooth operations of their business. - read more
|
| Comprehensive Guide: Types of Liability Insurance for your farm Farming is an essential part of Australia's economy and way of life, but it also comes with its unique set of challenges and risks. Liability insurance for farms acts as a safety net, providing coverage against unexpected incidents that can potentially lead to costly legal claims. - read more
|
| Top 5 Reasons to Buy Insurance Through a Broker In today's litigious and uncertain world, insurance has become a very important component of every financial plan. But, when it comes to buying insurance, consumers often get confused obout where they should start and how to decide on the best policy solution to their specific needs and circumstances. - read more
|
| Types of Insurance Policies Every Business Owner Should Consider Protecting business investment with insurance is a critical part of every sensible business owner's business plan. Insurance protects businesses from unexpected financial risks due to natural disasters, accidents, liabilities and losses, which may run in to thousands. - read more
|
| Term Life and Whole Life Insurance in Australia: What the Terms Mean A plain-English guide to term life insurance, whole life insurance and the main types of personal life insurance Australians commonly compare, including life cover, TPD, trauma cover and income protection. - read more
|
| Crane Truck Insurance Cover in Australia Crane truck insurance is designed for trucks fitted with a crane, where the vehicle and lifting equipment can create risks beyond those of a standard commercial truck. Cover may include protection for accidental damage, theft, fire, third-party liability and selected operational risks, depending on the policy. For Australian operators working in construction, logistics, heavy lifting or industrial environments, understanding the available cover options can help with more informed insurance decisions. - read more
|
| Income Protection Insurance for Australian Adults: How It Works and What to Consider Income protection insurance can help replace part of your income if illness or injury prevents you from working. For Australian adults with regular expenses, dependants or long-term financial commitments, understanding how this cover works can be an important part of financial planning. - read more
|
| Business Debt Protection Insurance for Australian SMEs Business debt protection insurance is designed to help a business manage debt obligations when unexpected events disrupt cash flow or threaten its ability to repay loans. For Australian SMEs with limited reserves, personal guarantees or significant finance commitments, it can form part of a broader risk management plan. - read more
|