Commercial Liability Insurance

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

COMPARE QUOTES

Compare quotes from our trusted insurance partners:

How much does Public Liability Insurance Cost?

... for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. ... can see from the results below that commercial cleaning businesses are one of the occupations with ...

Public Liability

... may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to ... clients who visit your office, whether in a commercial building or home-based office You manufacture and/or ...

What does Public Liability Insurance cover?

... very expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that ...

How much Public Liability insurance do I need?

... . Below is an overview of what is typically covered ( and not covered) under a Public Liability insurance policy: What is typically included?* Claims for compensation due to personal injury suffered by a third party ...

What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. I f you operate as a sole trader, you will potentially ...

Public Liability Insurance In Rockhampton

... to provide the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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 ...

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 ...

Public Liability Insurance In Mandurah

... 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 important ...

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 ...

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 ...

Public Liability Insurance In Brisbane

Public Liability Insurance Explained

... result of a claim. For some types of businesses, it may also be a legal requirement to have Public Liability insurance in place before starting on the job. Sometimes a specific minimum level of cover may be specified, so ...

Public Liability Insurance In Brisbane

... allows you to tailor your package by selecting from a variety of public liability insurance levels, flexible tool cover, and commercial vehicle insurance choices. If you are a sole trader or tradie, you can go on ...

Public Liability Insurance VIC PPC

... cover FAQ's Here's the lowdown on Public Liability insurance* As a small business owner you already have lots ... or clients who visit your office, whether in a commercial building or home-based office You manufacture and/or ...

Do I need Public Liability insurance?

... a government or private client contract, or as part of a lease agreement for renting commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a ...

How much does Public Liability Insurance cost for Tradesmen?

... Plasterer Commercial Air Conditioner Installation and Repair *As with any insurance, cover ... expect to pay around $80 or less per month for Public Liability insurance, however, increase turnover to $250,000 or more and the ...

How much does Public Liability Insurance Cost for Restaurants & Cafe?

... of the business, as well as any requirements set by the commercial lease agreement for the premises. Average monthly cost of Public Liability Insurance by level of cover Coverage level Average monthly premium $5 Million ...

Who is Covered Under an IT Liability Policy?

... to commercial contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained ...

A Sole traders and freelancers guide to business insurance

... level of Public Liability insurance in place. ... insurance provider. What is Business Insurance? Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Tradesmen

... out of a Public Liability claim. Public Liability insurance is designed to provide ... Insurance covers a business for specified costs in responding to an official tax audit. An unwanted trade A tradie working on a commercial ...

Insurance for Restaurants

... premises, part of your commercial lease may require you to take out glass cover. Insurance for Tradies Lorem ipsum dolor ... your business with Public Liability insurance . Public Liability insurance is designed to provide ...

Insurance for Allied Health Professionals

... investigator costs and expert fees). Public Liability Insurance* Whether you work from your own ... Insurance * is an insurance package designed to provide cover for your business, contents, stock, tools and commercial ...

Business Insurance on the Central Coast

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... Business insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

Insurance for Cleaners

... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is ... business activities. Whether you clean domestic or commercial properties, there are plenty of things that ...

BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... and independent professionals. Today the company offers competitive Professional Liability (E&O) insurance and plans to roll out more lines of commercial insurance to meet the growing needs of modern business. For ...

Insurance for Hair & Beauty Services

... and you're your commercial premises. Business Insurance is an insurance package designed to provide cover ... your home-based salon for example, Public Liability insurance is something worth considering. If a customer were ...

Understanding Insurance Requirements for Electricians in QLD

... work and has no impact upon the Public Liability section of your policy. It's your Public Liability insurance policy that typically provides cover for your commercial work, provided it is within the guidelines that ...

Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... Business insurance can protect you in the event something goes wrong. It can also protect your commercial property ... items of stock. Management Liability insurance* Management liability insurance * protects directors and ...

Business Insurance Perth

... your policy wording. Public Liability insurance* Compensation for: Compensation ... Insurance pack: Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Business Insurance Melbourne

... Insurance pack*: Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... your home-based business. Public Liability insurance can provide peace of mind ...

Insurance for Massage & Alternative Therapies

... clean up).  Having the right Public Liability insurance gives you peace of mind and ... Insurance*  Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Plumbers

... to hold minimum levels of public liability insurance before they can operate. Further details ... Insurance* Business Insurance * is a package designed to provide cover for your business contents, stock, tools and commercial ...

What are some types of insurance available for small businesses?

... , community and their property. Public Liability Insurance is designed to provide protection for ... Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Consultants

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... if your systems were compromised. A cyber liability insurance policy is designed to help protect you from ...

Insurance for Carpenters

... liabilities Professional fees Known claims and circumstances Fraud and dishonesty Business Insurance Business Insurance * is a package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Car Wash and Auto Detailers

... 's where Public Liability insurance comes into play. Public Liability insurance is designed to ... Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Handymen

... of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and ... Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Victorian Plumbers

... to hold a minimum level of Public Liability insurance before you can operate. Further details ... Insurance* Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Landscapers

... Liability insurance may also be a requirement to join trade associations. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises ...

Insurance for Retailers

... so you can continue getting down to business. Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted ...

Insurance for Psychologists

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports ...

Insurance for Finance & Mortgage Brokers

... the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Engineers

... contractors and the general public. Public Liability insurance is designed to provide protection for you ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Understanding Insurance for Real Estate Agents

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... peace of mind with Cyber Liability insurance . Cyber Liability insurance  is designed to help ...

5 Questions to ask yourself before buying Insurance for your Small Business

... to businesses. Public Liability insurance Public Liability insurance is designed to ... Insurance Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Architects

... have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for IT Professionals

... Insurance to provide additional protection: Do you own the office where you work? Does your commercial ... consider if Cyber Liability insurance is right for your business. A cyber liability insurance policy is designed ...

Insurance for Gift Shops

... front windows, glass cover can be an important form of insurance and is often required as part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want ...

Insurance for Pet Professionals

... 's where Public Liability insurance comes into play. Public Liability insurance* is designed to ... Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial ...

A quick guide to understanding small business insurance

... is usually covered by a Public Liability insurance policy When you take your tools ... Insurance* Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Convenience Stores

... also often required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance to consider before opening the doors ...

Insurance for Bakers

... You know? If you are renting your business premises, part of your commercial lease may require you to take out glass cover. Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public ...

Insurance for Cabinet Makers

... first insurances you may need to consider is Public Liability insurance. Public Liability insurance is  ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Recruitment Consultants

... your policy. Public Liability Insurance* Public Liability insurance is an easy choice ... Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Insurance for Professionals

... costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

How much does Business Insurance cost?

... below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail businesses ... is also generally a mandatory requirement under a commercial lease agreement, as is Glass cover. Click ...

How much does Business Insurance cost? OLD

What is Business Insurance?

... as chairs, desks and computers. Public Liability Insurance which covers your business against the legal ... : An unwanted trade: A tradie working on a commercial building locked up his excavator before leaving the worksite ...

Understanding Insurance for Mortgage Brokers

... for a claim to be made. Public Liability insurance is  designed to provide protection for you and ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

What are the Insurance Options for Land Surveyors?

... several of the insurance options for land surveyors who work in the residential or commercial sectors. We'll ... land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from ...

Dishing up the facts on food business insurance

... turn for the worse. Some types of insurance policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial lease; while Contents , Glass and Business ...

Insurance for Real Estate Agents

... are covered by the policy. Public Liability Insurance* It's likely that you have ... Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

Business Insurance In Wollongong

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... :  Given the various industries and occupations Public Liability insurance can cover, the cost of it can ...

Business Insurance in Townsville

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... available for public liability, tax audit, employment practices and statutory liability risks. According ...

How to adapt your business insurance as your business grows

... Insurance* Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... . Management Liability insurance* Management liability insurance * protects ...

Insurance for Accountants

... insurance prices we can! Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... hacked. Cyber Liability insurance helps to protect ...

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 ...

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 ...

Public Liability Insurance WA

... last thing you want to think about is paying 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 ...

Management Liability Insurance

... : What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

Cyber Liability Insurance

... & what's not? Get the right cover Could this happen to you? What is Cyber Liability Insurance Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a ...

Information Technology Liability Insurance

... is a combined policy that offers the protection of both Professional Indemnity and Public and Products Liability insurances*. It's designed to give you peace of mind, addressing the potential overlap of the professional ...

Public Liability Insurance QLD

... with third-parties like customers, suppliers and members of the public, then you may want to consider Public Liability insurance . It is designed to cover for all kinds of businesses, from the bakers in Mount Isa, to ...

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 to ...

Allied Health Combined Liability Insurance

... $10,000,000 Insured Turnover up to $5,000,000 Compare quotes from our trusted insurance partners: What is Allied Health Combined Liability insurance? Whether you're a Zumba instructor or master of acupuncture, get zen of ...

Public Liability Insurance In Adelaide

... 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 important ...

Understanding the difference between Public and Product Liability insurance

... when it comes to protecting your small business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance is designed to provide protection for you and your business in ...

A sole traders guide to understanding Public Liability insurance

... a requirement. If you are renting your business premises, you may need to have a minimum level of Public Liability insurance in place as part of your rental agreement It may be a requirement to become a member of certain ...

5 Reasons to consider Cyber Liability insurance for your company

... must follow, having a plan for what to do if there is a data breach, and having a Cyber Liability insurance policy to cover claims if required. 3. The cloud isn't completely secure Cloud technology is now essential to ...

5 Things to Consider When Buying Public Liability Insurance

... saving if the policy does not provide your business the sufficient coverage it needs. 3. Am I required to have Public Liability insurance cover ? Each S tate and T erritory ha s its own set of laws when it comes to legal ...

What Tradies Need to Know About Public Liability Insurance

... a minimum level may be needed as part of the process. Make sure you also have proof of your Public Liability insurance policy ready to show too. Some of the not so typical work sites which you may also still be required ...

Public Liability Insurance for Cabinet Makers

... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...

Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... accidentally injure someone or cause property damage, you face the risk of legal action. Public Liability insurance protects you against claims from customers or other third parties by covering any compensation awarded ...

Public Liability Insurance Scenario

... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

5 Tips for getting the best Public Liability insurance for your business

... to make a claim against you. As cliché as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially ...

Legal Requirement for Public Liability Insurance

... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized ...

How much does Combined Liability Insurance Cost for Allied Health Professionals?

... million of cover are only paying around $36.13 per month. Average monthly cost of Allied Health combined liability insurance by level of cover Coverage level Average monthly premium $1 million $28.05 $1.5 million $26.49 ...

Don’t let your business be an online target – what you need to know about Cyber Liability Insurance

... laptop or a USB in a taxi is an example of how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation costs to find the issue Data r ecovery costs Ex ...

Cyber Liability Insurance: the safety net small businesses need

... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...

5 Things to consider when purchasing business insurance

... available to protect your business: Public Liability insurance* : Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to help protect you and ...

Home Based Business Insurance

... Promise Compare quotes instantly from some of Australia's leading insurers Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Why ...

Business Insurance Guide for the Self-Employed – Part 4

... This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your profitability ...

Professional Indemnity Insurance for Consultants

... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...

View all

Reviews related to Commercial Liability Insurance

So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

Shirley M McIntosh
Trades & Services
Great Price on my Liability insurance

James M
Trades & Services
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
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

Shirley M
Food wholesaling nec
very easy to get my public liability insurance done within minutes!! Thanks.

Troy M
Landscape Construction

Public Liability Insurance Cost

What’s included & what’s not?

Get the right cover

FAQ’s

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:

Trades
Professionals
Wholesalers
Manufacturers
Travel and tourism
Office based

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?

GET INSTANT QUOTES

Why choose BizCover for your Public Liability insurance?

Built for small business

We know insurance and what makes small businesses tick

Clear and competitive pricing

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

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!

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

How much does Public Liability Insurance cost?

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.

Do I need 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 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

How much Public Liability insurance do I need?

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.

Do I need Public Liability insurance as a sole trader?

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.

Is Business Insurance the same as Public Liability?

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.

How do I make a Public Liability insurance claim?

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: [email protected] and we’ll manage the process directly with the insurer.

Does Public Liability cover professional services or advice?

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.