Public Liability
Insurance Tasmania
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Public Liability insurance for Tasmanian businesses
With over 42,000 small businesses, Tasmania plays an important role in Australia’s national economy.
Like all small business owners, Tasmanian businesses have a legal responsibility to take reasonable steps for the safety of their customers, suppliers, the community and their property.
That’s why many small business owners in Tasmania consider Public Liability to protect their business and finances.
What is Public Liability insurance?
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
Even the most careful businesses run the risk of injuring someone or damaging something during their operations. If you were faced with a public liability claim, the financial impact of paying it and associated legal fees (including defence costs) could potentially send you out of business.
A Public Liability policy can help you manage these costs should a claim be made against your business.
What does Public Liability insurance cover?
Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business activities. It also covers claims for damage to property owned by a third party as result of your negligent business activities.
Most Public Liability policies also extend to cover Product Liability. Product Liability helps cover negligence claims where a product you sell, supply, repair or service has caused injury, death or damage.
The following activities are typically not covered by a Public Liability insurance policy:
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship
- Professional negligence
- Contractual liability
- Motor vehicle claims
- Events occurring before or after the policy period
Who needs Public Liability insurance in Tasmania?
Businesses in virtually every industry may need Public Liability insurance, including Tasmania’s top employing industries:
- Healthcare and Social Assistance – This sector includes nurses, disability and aged care workers, counsellors and other health professionals who work closely with patients in a variety of locations covered by Public Liability policies.
- Education and Training – Tutors, education consultants, and other businesses in this industry may consider Public Liability insurance as they often work one-on-one with clients in different settings.
- Retail – Public Liability insurance can help retail shops manage the risk of potential claims brought by customers, suppliers, delivery people and other members of the public who may enter their premises.
How much does Public Liability insurance cost for Tasmanian businesses?
Public Liability insurance in Tasmania costs an average of $35 per month* with BizCover.
Given the various industries and occupations Public Liability insurance can cover, its cost can vary greatly. This is due to several factors including:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
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