General Liability Insurance Australia

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*:

Public Liability Insurance Explained

... The information contained on this web page is general only and should not be relied upon as advice What does Public Liability insurance typically cover? Like most insurance policies, it is always important to check what ...

How much Public Liability insurance do I need?

... amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required ... page is general only and should not be relied upon as advice. *As with any insurance, cover will ...

What does Public Liability Insurance cover?

... 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 . ... this web page is general only and should not ...

How much does Public Liability Insurance Cost?

... wording. The information contained on this web page is general only and should not be relied upon as advice. What is the average cost of Public Liability insurance by industry? One of the biggest factors influencing the ...

Public Liability Insurance In Rockhampton

... P ublic L iability insurance cover ? Public Liability insurance covers claims for personal ... general only and should not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance ...

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 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 ...

Public Liability

... 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 ...

Public Liability Insurance for Cabinet Makers

... protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are ... . If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and ...

What’s the difference between Public and Product Liability insurance?

... insurance usually forms part of a Public Liability policy. Policies can vary so the word 'product' will be specifically defined in your policy's wording. One of the general policy definitions of a product is the ...

5 reasons to consider cyber liability insurance for your business

... You may have Management Liability or Public Liability insurance policies, but that doesn’t guarantee that you are covered against a cyber-attack. Some business liability policies may provide some general cover in this ...

Legal Requirement for Public Liability Insurance

... based business); and Your business hosts off-site events that can be attended by the general public. A public liability insurance policy should include the scope of your business and any associated entities. This type of ...

Public Liability Insurance NSW

... for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your ... webpage is general only and should not be relied upon as advice. *As with any insurance, cover ...

Public Liability Insurance WA

... unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your ... -page is general only and should not be relied upon as advice. *As with any insurance, cover will ...

How much does Public Liability Insurance cost for Tradesmen?

... wording. The information contained on this web page is general only and should not be relied upon as advice. What is the average premium for Public Liability insurance? On average, tradies can expect to pay around $60 ...

Do I Need Public Liability insurance?

... public events, like a stand at a trade-show attended by members of the general public Did you know? Public Liability insurance is generally a mandatory requirement for some trades when you operate under a state issued ...

Cyber Liability Insurance

... contained on this webpage is general only and should not be relied upon as advice. Why choose BizCover for your Cyber Liability insurance? Built for small business We know insurance and what makes small businesses ...

Information Technology Liability Insurance

... and Public and Products Liability insurances*. It's designed ... insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general ...

Public Liability Insurance NSW

... price for Public Liability insurance. The most accurate way to find out how much Public Liability insurance is going to ... * The information provided on this page is general guide only and does not take into account ...

A sole traders guide to understanding Public Liability Insurance

... form in sight. Get quotes to start covering your sole trader business with Public Liability insurance today. * This information is general only and does not take into account your objectives, financial situation or needs ...

Public Liability Insurance QLD

... do happen. Public Liability insurance is designed to provide ... insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general ...

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

... contained on this web page is general only and should not be relied upon as advice. Does the level of cover affect the premium? Generally, yes. But the cost of Public Liability insurance does not increase at the same ...

What is Management Liability Insurance and Who Needs It?

... Management Liability insurance and ... insurance quotes, get covered in a mere 10 minutes, and get back to business. If you prefer to speak with us, you'll reach our friendly team on 1300 920 867 . This information is general ...

Top tips for buying Management Liability Insurance

... associated with a tax audit by the ATO, such as accountancy fees. 6. Cyber Liability Insurance: Cyber Liability insurance helps protect your small business from claims and supports your profitability in the event of a ...

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

... of how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic ... .gov.au/general/online-services/identity-security/verify-or-report-a-scam/ Australian Cybercrime ...

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

... sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... insurance premium over time. Do all you can to improve your business by improving the general ...

Does Public Liability insurance cover employees?

... made some assumptions about what your Public Liability insurance covers. Some small business owners may ... BizCover can help your business. This information is general only and does not take into account your objectives ...

What tradies need to know about Public Liability Insurance

... process. Make sure you also have proof of your Public Liability insurance policy ready to show too. Some of the not so ... document. The information contained on this webpage is general only and should not be relied upon as ...

Product Liability Insurance

... a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, ... on this web page is general only and should not be ...

Professional Indemnity Insurance And Public Liability Insurance

... kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? ... with each occupation carrying a different level of risk. The general rule is - the higher the risk, the higher the ...

How to Reduce Product Liability Risks

... Product Liability insurance quotes from leading insurers online, purchase your coverage online in only 10 minutes, and keep moving forward with your business. Get started with a quote now. This information is general ...

Business Insurance Guide for the Self-Employed – Part 1

... one that could be very costly. Public Liability insurance protects your busines s, even if ... operation. Market stall-holders – A minimum level of Public Liability insurance is often required when having a stall at a market ...

Business Insurance

... (such as fire, storm, wind ) . General Property Insurance*  which covers against theft and accidental damage of ... cover seeks to provide protection for. Public Liability insurance* is designed to provide protection for you ...

Insurance for Car Wash and Auto Detailers

... a claim. That's where Public Liability insurance comes into play. Public Liability insurance  is designed to protect your business ... * Portal Equipment insurance (also known as General Property insurance) covers you for ...

Understanding insurance for recruitment consultants

... known as General Property insurance , covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. 4. Cyber Liability* Consider the ...

4 essential tips for buying cyber insurance

... Take steps to reduce risk Cyber Liability insurance can help your business get ... Liability policy today—no complicated paperwork, no dramas! Start now. 1. ACSC 2021-22 Report, 4 November 2022. This information is general ...

Why personal trainers should think about an Allied Health Combined Liability policy

... time your business provides a service. Public Liability (PL) insurance Every day you work closely with your ... the insurer, not BizCover. *This information is general only and does not take into account your objectives ...

5 ways to protect your business from liability risks

... leading insurers online, purchase your Public Liability insurance online in only 10 minutes, and get on with growing your business. Get started with a quote now. This information is general only and does not take into ...

Public Liability vs. Professional Indemnity insurance: What’s the difference?

... Public Liability insurance*? Public Liability Insurance is ... insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general ...

Insurance for Carpenters

... of your insurance plan. Portable Equipment insurance (also known as General Property insurance) covers ... so there isn't a one-size fits all Public Liability insurance policy. Things to consider when looking at the amount ...

Statutory Liability*

... Insurance Statutory Liability* Statutory Liability insurance ... insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general ...

Managing Risk and Liability as a Sole Trader

... buy a Business Insurance Pack . Cyber liability insurance* Cyber liability insurance * helps protect ... it can be to purchase sole trader insurance. *This information is general only and does not consider your objectives, ...

7 Common Types of Small Business Insurance

... business as a result from interruption caused by material damage events. 5. Management Liability Insurance Management Liability Insurance protects the company and the people who manage the company, such as the Company ...

What are some types of insurance available for small businesses?

... suppliers, community and their property. Public Liability Insurance is designed to provide protection for you ... add up .  Get covered Shopping around for business insurance quotes shouldn't be a hassle and at BizCover we ...

Insurance for Flooring Installler

... statutory liability risks. Common types of cover that flooring installation contractors might add to their Business Insurance package include: Portable Equipment* Portable Equipment (or general property) insurance can ...

Home Based Business Insurance

... leading insurers Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's ... cover. Portal Equipment insurance (also known as General Property insurance) covers you for ...

Insurance for Massage & Alternative Therapies

... Insurance Tax Audit Insurance for  Massage Therapists Professional Indemnity* Your clients trust your expertise and knowledge to treat a variety of ailments as well as promoting their general ... Public Liability insurance ...

Insurance for Cabinet Makers

... the first insurances you may need to consider is Public Liability insurance. Public Liability insurance  is designed ... without. With Portable Equipment cover (general property insurance) you can insure specified items such ...

A Mumpreneurs Guide to Understanding Business Insurance

... may need to consider Product Liability insurance. Product Liability insurance protects your businesses against claims ... into play. Sometimes referred to as General Property insurance, you can cover specified items such as ...

Insurance for pharmacy and pharmacists

... is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

Insurance for Pet Professionals

... claim. That's where Public Liability insurance comes into play. Public Liability insurance * is designed to provide ... Equipment Insurance* Portable equipment insurance (also known as General Property insurance) covers ...

Insurance for Lawn Mowing Services

... a claim to happen. Your Public Liability insurance policy provides financial protection by covering the ... thankfully there's an insurance to cover that. Portable equipment or general property insurance can cover specified ...

Top seven tips for comparing business insurance quotes

... business owners include: Public Liability insurance Professional Indemnity insurance Cyber Liability insurance Business insurance pack Commercial Property insurance When comparing business insurance quotes, don't assume ...

What insurance do contractors and subcontractors need?

... the most common forms of contractor insurance. Subcontractor Public Liability insurance covers subcontractors in the event of personal injury or property damage. Your client, or the general public, could be a third party ...

A sole traders and freelancers guide to business insurance

... clients you may need to have a certain level of Public Liability insurance in place. It is always wise to keep a copy of ... Equipment* Portable Equipment insurance (also known as General Property insurance) covers you for ...

Insurance for Electrical Engineers

... on-job' you are likely to be in regular contact with clients, contractors and the general public. Public Liability insurance is typically an important form of cover for engineers and is designed to provide protection for ...

5 tips for an insurance health check

... do a general review of your business, it's worth taking time to do a health check of your insurance to ensure ... to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in ...

Understanding business insurance for bookkeepers

... Insurance policy. Portable equipment*- Portable Equipment insurance (also known as General Property insurance ... if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and ...

A practical guide to understanding business insurance

... their property. This is usually covered by a Public Liability insurance policy When you take your tools of trade with you ... *: Portable Equipment insurance (also known as General Property insurance) covers you for ...

Insurance for Cafes

Insurance for Cleaners

... insurance policies for cleaners? Public Liability Insurance Do you need it? The short answer is yes. Thankfully, Public Liability insurance ... with General Property (portable equipment) cover. General Property insurance can ...

7 surprising ways business insurance can help your company

... of the common types of business insurance to consider is Public Liability insurance *. It provides peace of mind ... transit. Portable Equipment*(also known as General Property insurance): Covers you for loss and damage to ...

Finding the right business insurance can be hard but BizCover makes it easy

... as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. Management Liability insurance* Management ...

Insurance for Marketing Consultants

... vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to ... document. The information contained on this webpage is general only and should not be relied upon as ...

How to adapt your business insurance as your business grows

... a breakdown. Management Liability insurance* Management liability insurance * protects directors ... Audit insurance comes into play. Portable Equipment* Portable Equipment insurance (also known as General Property insurance) ...

5 reasons you should review your business insurance this Christmas

... . For example, General Property Insurance also known as Portable Equipment insurance covers theft and ... no, now may be the time to consider Cyber Liability insurance . Any business that trades through an online platform, ...

Insurance for Convenience Stores

What is Business Insurance?

... may own against fire and perils. General Property Insurance which covers against theft and accidental ... such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs ...

Benefits of insurance for small businesses

... protect yourself from them with insurance. Public Liability insurance Public Liability insurance * is an essential form ... thriving for years to come. This information is general only and does not take into account your ...

The beauty of ensuring your business insurance is Australian Made

... contact with your clients, making Public Liability insurance an important cover for beauty therapists. ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance ...

What are the Insurance Options for Land Surveyors?

... where damage to property or the general public can occur. Business Insurance To protect your office or place ... land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from ...

Business Insurance Perth

... covered for in your policy wording. Public Liability insurance Compensation for: Compensation costs for the personal ... insurance (Portable Equipment): Portable Equipment insurance (also known as General Property insurance) ...

Business Insurance Melbourne

... insurance (Portable Equipment)*: Portable Equipment insurance (also known as General Property insurance) ... this is at your home-based business. Public Liability insurance can provide peace of mind and protection from ...

QLD Electricians Licence and Insurance Requirements

... upon the Public Liability section of your policy. It's your Public Liability insurance policy that typically ... quote today and experience business insurance with no dramas. * This information is general only and does not ...

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 ...

6 ways to save money on tradie insurance

... business size changes Several forms of business insurance, including Public Liability , have pricing that is partly affected ... . Experience insurance made easy today. Disclaimer: * This information is a general guide only ...

The 5 biggest mistakes tradies make with their insurance

... your insurer when you took out your Public Liability insurance and other policies, but it’s your responsibility ... get their insurance sorted quickly, so you can get back to work. * This information is a general guide only ...

Business Insurance in Townsville

... useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury or ... , accessed 29 Sept 2023. *This information is general only and does not take into account your objectives ...

Insurance for Dog Walkers

... Liability Insurance Public Liability insurance is important for dog walkers. Public Liability insurance ... policy document. The information contained on this webpage is general only and should not be relied upon as advice. ...

Who is Covered Under an IT Liability Policy?

... arise out of the services performed for a client. Who is covered under an IT Liability Policy? An IT Liability insurance policy typically will cover the following: The entity, including any subsidiaries (held or acquired ...

Protect your business with Statutory Liability Cover

... – not one that many small businesses' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and expenses which can be incurred from an official ...

Public Liability Insurance in QLD

... size of your business (annual revenue), and the amount of cover you require. When you compare Public Liability insurance from different insurers, you can get a clearer idea of how much cover will cost for your business ...

6 business practices that increase liability exposure (and solutions)

... challenges of liability exposures. 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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

New Public Liability-1b

... 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 ...

New Public Liability-1a

New Public Liability-1c

Employment Practices Liability

... s covered & what’s not Things to consider Back to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost ...

Allied Health Combined Liability Insurance

... . For many allied health professionals, holding a Professional Indemnity policy is a registration requirement Public Liability Insurance Regardless of whether you work from your own practice or out and about, when you're ...

Public Liability PPC

... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

Claim for Cyber Liability

... online claims forms Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Cyber Liability Cyber incidents can be time sensitive. Your insurer will have emergency response resources available ...

View all

Reviews related to General Liability Insurance Australia

product knowledge and advice are excellent

Frank F
Other
Easy to read understand and follow

Tui d
Other
Easy As!! Thank you

Casey W
Entertainment
EASY CONVENIENT!

HONGWEI Z
Travel
Excellent Customer Service

Trevor C
Other

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?

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

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: claims@bizcover.com.au 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.