Australian Public Liability Insurance

  • Over 6,000 Occupations Covered
  • Competitive pricing with our Price Promise
  • Flexible payment options – monthly or annually

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How much does Public Liability Insurance Cost?

... the products they manufacture or sell, under the liability provisions of the Australian Consumer Law. How much do Tradesmen pay for Public Liability Insurance? There are many different types of occupations that operate ...

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Public Liability Insurance In Rockhampton

... , small businesses in Rockhampton pay $35.40 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance In Port Macquarie

... in Port Macquarie pay $26.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Perth

... businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Mandurah

... average, small businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance In Hobart

... businesses in Hobart around $29.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Darwin

... in Darwin pay around $30.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Brisbane

... , small businesses in Brisbane pay around $55 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance In Adelaide

... businesses in Adelaide pay around $37.50 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability

... insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Public Liability insurance Public Liability insurance ... policies from selected Australian insurers to suit the ...

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Public Liability Insurance Explained

... Advertising Injury Pollution Reckless or wilful failure to take care Do I really need Public Liability Insurance? Public Liability insurance is a fundamental type of cover that many different types of business may find ...

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What does Public Liability Insurance cover?

... means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...

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How much Public Liability insurance do I need?

... up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...

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Public Liability Insurance NSW

... exposure to potential risks, so there isn't a standard price for Public Liability insurance. The most accurate way to find out how much Public Liability insurance is going to cost your NSW business is by having a chat ...

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Legal Requirement for Public Liability Insurance

... sell. From occupational health and safety to Australian Consumer Law, businesses are responsible for ... public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance ...

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Public Liability Insurance in QLD

... insurance partners*: Public Liability Insurance Cost What's included & what's not? FAQ's What is Public Liability insurance? Public Liability insurance ... tailor policies from selected Australian insurers to suit the needs ...

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Public Liability Insurance WA

Public Liability Insurance WA Australian based insurance agents Over 7,300 policies sold in WA Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on WA ...

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Public Liability Insurance Scenario

... online. What Janine needed was public liability insurance or insurance that protects you and your ... Australian insurers before opting to buy online if they wish. The traditional experience of buying small business insurance ...

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Public Liability Insurance VIC PPC

... Here's the lowdown on Public Liability insurance* As a small business ... liability) available to select: $5 million, $10 million or $20 million.The appeal of having the freedom to be your own boss is why so many Australians ...

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Public Liability PPC

... leading insurers Cheapest price guaranteed Trusted by 55,000 Australian businesses Compare quotes from our trusted insurance partners: Why do I need Public Liability Insurance? You can't prevent clumsy people from being ...

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New Public Liability-1b

... Australian insurers to suit the needs of your business, and we are there to help! Real people adding real value Our friendly service team is on hand and on a mission to make you smile! Get Public Liability insurance ...

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New Public Liability-1a

... Australian insurers to suit the needs of your business, and we are there to help! Real people adding real value Our friendly service team is on hand and on a mission to make you smile! Get Public Liability insurance ...

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New Public Liability-1c

... Australian insurers to suit the needs of your business, and we are there to help! Real people adding real value Our friendly service team is on hand and on a mission to make you smile! Get Public Liability insurance ...

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7 Common Types of Small Business Insurance

... and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - even ... by The Australian Taxation Office (ATO), it may be time to consider Tax Audit Insurance for your ...

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PI And PL Insurance

... kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? ... match your needs You can tailor policies from selected Australian insurers to suit the needs of your business, and ...

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Business Insurance

... Australian Tax Office for auditing. The policy offers coverage for the costs of accountants and other nominated professional fees incurred in the course of an audit. Public Liability and Professional Indemnity insurance ...

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Product Liability Insurance

... public as the manufacturer. For more information on your responsibilities as a manufacturer, please refer to the  Australian Competition and Consumer Commission  website. Do I need Product Liability Insurance? Product ...

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Cyber Liability Insurance

... happen to you? What is Cyber Liability Insurance? Cyber Liability insurance* is designed to help protect you from ... - Australia, 2019 ' revealed that 15% of Australians would stop dealing with an organisation if their data ...

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Insurance for Management Consultants

... and negligence claims. Public Liability Insurance* Public Liability insurance is designed to provide ... 10 minutes: Compare free quotes from selected leading Australian insurers. Choose the cover that fits your consultancy ...

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Understanding business insurance for bookkeepers

... out on the road visiting them, Public Liability insurance is something bookkeepers need to consider. ... and we will provide various quotes from selected leading Australian insurers. Select your policy and get your policy ...

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Insurance for hospitality business

... lively and wildly inventive, with quintessentially Australian takes on traditional dishes. It is ... will include Public Liability insurance, Professional Indemnity insurance , and Business Insurance. Business Insurance can ...

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What is Business Insurance?

... Audit Insurance Cover for accountants' fees incurred in connection with an audit by the Australian Taxation ... such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal ...

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Business Insurance in Townsville

... can be useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury or ... much cover you want or need 1. Australian Small Business and Family Business Ombudsmen, Location ...

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Business Insurance in Geelong

... space. Even if it's not required, Public Liability insurance can help you manage the costs of injury and ... qualifications The amount of insurance cover your business needs 1. Australian Small Business and Family ...

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Tech Startups Insurance

... offers a liability package with combined Professional Indemnity and Public Liability insurance from the ... will also be covered. Tax Audit Insurance If your accounts are audited by the Australian Tax Office, you may need to ...

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Insurance for Convenience Stores

... Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance ... form of insurance to consider, particularly considering data from the Australian Institute of ...

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Insurance for Furniture Manufacturers

... Did you Know? Product safety is governed by the Australian Consumer Law (ACL). A consumer can seek compensation ... mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a ...

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Insurance for Restaurants

... your business with Public Liability insurance . Public Liability insurance is designed to provide ... Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office ...

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Insurance for Recruitment Consultants

... associated with responding to or managing claims which are covered by your policy. Public Liability Insurance Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide ...

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Professional Indemnity Insurance

... kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? ... match your needs You can tailor policies from selected Australian insurers to suit the needs of your business, and ...

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Benefits of insurance for small businesses

... yourself from them with insurance. Public Liability insurance Public Liability insurance * is an essential ... Australian Tax Office, you may need to hire external accountants to assist in the process. Tax Audit Insurance ...

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Insurance for Registered Migration Agents

... Indemnity policies with BizCover. Contact Migration Alliance for your exclusive discount code. Public Liability Insurance* Public Liability insurance is an easy choice for Migration Agents. It is designed to provide ...

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BizCover SME Insurance Price Index Q1 FY20

... decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts ... to their business insurance, commenting “While costs may be rising for Australian's across other ...

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BizCover SME Insurance Price Index Q1 FY21

... insurance price hikes. Whilst the Australian Small Business and Family Enterprise Ombudsman is running an inquiry into the availability and pricing of insurance ... : SME Insurance Price Index Public Liability insurance is an ...

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Business Insurance Savings

... Australian Businesses Competitive pricing with our Price Promise Compare quotes from our trusted insurance partners*: Insurance ... often consider these types of insurance. Public liability insurance Covers you if a third- ...

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Does Public Liability insurance cover employees?

... to have if your business involves interacting with people. What is not covered by Public Liability insurance? PL does not cover certain events. If your business is responsible for a claim that does not include injury ...

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Do I Need Public Liability insurance?

... a small price to pay for big peace of mind. What if I don't have Public Liability insurance? If you don't have Public Liability insurance, you may be exposed to different types of risks that could, in some circumstances ...

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Public Liability Insurance NSW

... ! The last thing you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability Insurance QLD

... ! The last thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability Insurance for Cabinet Makers

... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...

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Claim for Public Liability

... business Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Public Liability It's important to notify your insurer as soon as possible of all compensation claims made ...

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The risks of growing your small business

... care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. ... Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury or ...

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How to become a successful consultant in 7 steps

... party and your defence costs, such as lawsuit fees, and investigator fees. Public Liability: Public Liability insurance (PL) provides consultants with protection for consultants and their business in the event customers ...

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Salon owners urged to consider combined cover

... a claim every time you provide a service. Public Liability (PL) insurance Every day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover for beauty salons ...

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Fitrec and Health People

... needs of fitness professionals. The DUAL Personal Trainer's package includes Professional Indemnity ( PI ) and Public Liability (PL) insurance and provides the option of choosing $1M or $2M PI cover and $10M or $20M ...

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How to start a gardening business in Australia

... business insurance products that gardening business owners may consider: Public Liability Public Liability (PL) ... from middle-to-high-income households and older Australians is high. As such, gardening business owners ...

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Insurance for Allied Health Professionals

... PL & PI cover Compare quotes from our trusted insurance partners*: Combined Liability Insurance ... them, making Public Liability insurance important for allied health professionals. Public Liability insurance is designed ...

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The risky business of insurance

... Australian ... insurance: Public Liability - protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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PI Index: Premiums Decline 10 Straight Quarters

... Australian SME's continue to benefit lower premium rates due to the abundance of supply and healthy competition in the business insurance market. The BizCover Small Business Insurance ... Public Liability and Public Liability ...

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Insurance Premiums for Retailers Continue to Climb

... Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability ... prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year 2017 ...

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Information Technology Liability Insurance

... independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide protection for you and your IT ...

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Allied Health Combined Liability Insurance

... out and about, when you're interacting with clients, Public Liability insurance is an important consideration for allied health professionals. Public Liability insurance is designed to provide protection for you and your ...

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Who is Covered Under an IT Liability Policy?

... between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained in the same policy is ...

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Insurance for Electricians

... cover for electricians is Public Liability insurance. Electricians in most states and territories are required to have this insurance to receive and maintain their electrical license. Australian electricians often choose ...

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Insurance for Consultants

... Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for ...

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Reviews related to Australian Public Liability Insurance

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

  • I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

  • seems easy enough to obtain our public liability. Hopefully we are fully covered now.

    Natalie R
    Commercial Cleaning Services

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

Public Liability insurance

Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.

Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. 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 are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

Public Liability explained further…

Product Liability explained further…

What kind of businesses need Public Liability insurance?

In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.

An example of some of the typical types of businesses that may take a Public Liability insurance policy include:

What is typically included?**

Compensation for:

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
**Many public liability policies also provide cover for product liability.

What is typically not covered?*

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Gradual pollution
  • Punitive damages- where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade licence require a minimum amount of public liability cover?
  • What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

Why choose BizCover for your Public Liability insurance?

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.

BizCover - No Jargons

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Public Liability Insurance

Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.

When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:

  • The type and nature of your business
  • Your business turnover and size
  • The amount of insurance cover your business needs

Additional factors that determine the cost of your Public Liability insurance policy include:

  • The location of your business
  • What is included and excluded in your policy
  • The insurance provider you choose

The most accurate way to find out the cost for your business is to simply get an instant online quote.

 

*We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

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 are injured or sustain property damage as a result of your negligent business activities.

While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can  operate. For example, it may be a contractual requirement to have before you are allowed “on site”.

No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.

You may need to consider Public Liability cover if any of the following apply to your business:

  • You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
  • You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
  • Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
  • If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public

One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.

While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.

If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.

Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.

With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.

The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.

An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.

Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.

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 become injured or sustain property damage as a result of your negligent business activities.

The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.

Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  It also offers the option of selecting public liability cover but that is not automatically included.

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 are injured or sustain property damage as a result of your negligent business .

If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products.  It typically forms part of a Public Liability policy.

 

Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.

One of the first steps you need to take in lodging a claim  (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.

To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.

Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.

Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.

Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.

This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.