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If a customer, visitor, or member of the public is injured on your premises—or you accidentally damage someone else’s property while working—Public Liability Insurance helps cover legal and compensation costs. It’s a must-have for any business that interacts with the public, whether on your site or theirs.
Public Liability Insurance is designed to protect your business from the financial impact of legal claims related to personal injury or property damage.
While coverage specifics can vary between insurers, Public Liability Insurance generally aims to protect businesses from financial losses arising from claims of property damage or personal injury caused to third parties. This insurance typically covers legal expenses, medical treatment costs for injuries, and repairs or replacement costs for damaged property. It can also cover incidents that occur on your business premises or as a result of your business operations elsewhere. For example, if a customer slips and falls at your place of business, or if your operations cause damage to a client’s property, Public Liability Insurance could help cover the resulting claims and associated legal costs. Coverage may also include additional aspects depending on your policy specifics and insurer.
Claims for injury to third parties (e.g. customers, clients, visitors)
Property damage caused during business operations
Legal defence costs for covered claims
Court-awarded damages or settlements
Cover for incidents on and off your business premises
Optional add-ons like advertising or environmental liability
Employee injury or workers compensation (separate cover needed)
Damage to your own property or stock
Intentional acts or illegal conduct
Contractual liabilities unless specifically included
Asbestos-related claims
Cyber liability (requires Cyber Insurance)
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For a complete list of terms, conditions and exclusions please refer to the relevant Product Disclosure Statement (PDS) or get in touch with one of our advisors.
Having an extensive network of partners means that we can offer quality products with highly competitive pricing from some of Australia’s leading insurance companies.
Your account manager is your personal insurance expert, able to answer questions and provide tailored advice. Having a single point of contact means you'll receive consistent and high quality service.
A loss or claim being made against you can be a stressful experience. That's why we help guide our clients through every step of the Insurance claims process, relieving as much stress as we can along the way.
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It protects your business against claims made by third parties for personal injury or property damage caused by your business operations, whether at your premises or elsewhere.
Any business that deals with clients, customers, or the public—such as retailers, tradies, contractors, and hospitality venues—should have Public Liability Insurance.
It's not legally required in all industries, but many landlords, clients, and contracts will require you to have this cover before you can work.
No. Public Liability Insurance covers third-party injuries only. You’ll need Workers Compensation or Employer Liability Insurance for employee-related injuries.
You may be personally or financially liable for medical expenses, legal fees, and compensation costs—which can be substantial and damaging to your business.
Generally no, unless specifically listed. Subcontractors should have their own cover or be added to your policy by agreement with your insurer.
This depends on your business size, industry, and risk exposure. Common limits range from $5 million to $20 million. We can help assess your needs.