Instant Public Liability Insurance

  • Over 6,000 Occupations Covered
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  • Flexible payment options – monthly or annually

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How much does Public Liability Insurance Cost?

... to find out the cost for your business is to simply get an instant online quote. What is the average monthly premium for Public Liability insurance? On average, small business owners can expect to pay around $63.53 per ...

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Public Liability

... *: Compare quotes from our trusted insurance partners: 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 ...

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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 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 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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Public Liability Insurance Scenario

... steps to cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent, is a prudent choice for small business and one that ...

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Public Liability Insurance in QLD

... get a clearer idea of how much cover will cost for your business. Get instant Public Liability quotes online or over the phone in minutes! Other types of business insurance in QLD There are many types of small business ...

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Insurance for Management Consultants

... , and negligence claims. Public Liability Insurance* Public Liability insurance is designed to provide ... BizCover has created a no-dramas insurance experience for consultants. Get instant cover for your business in as ...

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Cyber Liability Insurance

... Liability Insurance Compare leading insurers online Instant online cover - no paperwork Flexible payment options - monthly or annually Compare quotes from our trusted insurance ... cost of hiring a Public Relations firm to ...

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Business Insurance in Geelong

... to Accountants and IT Professionals, we can help you find instant cover online or over the phone in minutes! “You ... space. Even if it's not required, Public Liability insurance can help you manage the costs of injury and ...

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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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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 WA

... The 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 ...

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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

... 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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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 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 ...

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Legal Requirement for Public Liability Insurance

... against 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 ...

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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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New Public Liability-1b

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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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PI And PL Insurance

... PL Insurance Compare multiple insurers online Competitive pricing with our Price Promise Flexible payment options - monthly or annually Compare quotes from our trusted insurance ... covered by Public Liability insurance ) How ...

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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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Why do welders need insurance?

... for welders As is the case with many trades, the most critical form of welding insurance is Public Liability (PL) . PL provides financial protection for your welding business if you happen to cause injury to a person ...

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Fitrec and Health People

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How to start a gardening business in Australia

... the worst of thorny situations. There are three key business insurance products that gardening business owners may consider: Public Liability Public Liability (PL) can be crucial for gardeners because it protects your ...

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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

... must have” 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

... competition in the business insurance market. The BizCover Small Business Insurance Index has shown premiums ... groups, Combined Professional Indemnity/ Public Liability and Public Liability/ Business Packs are not seeing ...

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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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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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Business Insurance

... main difference is the type of duty of care that each cover seeks to provide protection for. Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or ...

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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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Insurance for Flooring Installler

... need to consider? A flooring installer might add these types of insurance to their cover toolbox: Public Liability insurance* Public Liability insurance is designed to provide protection for you and your business in the ...

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Business Insurance Perth

... claim were to occur at your business premises, even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a ...

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Business Insurance Melbourne

... at risk if a potential claim were to occur even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third ...

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Insurance for Disability Workers

... Professional Indemnity and Public Liability coverage Instant online cover - No paperwork Compare quotes from our trusted insurance partners*: Why do Disability Workers need Public Liability and Professional Indemnity ...

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Insurance for Carpenters

... from Bondi to Bourke!Each business is unique and different, so there isn't a one-size fits all Public Liability insurance policy. Things to consider when looking at the amount of coverage include things like: Is there a ...

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Insurance for Cafes

... your business for personal injury or property damage claims caused by your products. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular ...

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Insurance for Nurses

... to disciplinary action as a result of your nursing activities. Public Liability Insurance* Considering how closely you have with your patients; Public Liability insurance is an easy choice for nurses. It is designed to ...

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Insurance for Dog Walkers

... within a public park. What types of insurance do dog walking businesses typically consider? Public Liability Insurance Public Liability insurance is important for dog walkers. Public Liability insurance is designed ...

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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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Insurance for Cleaners

... go wrong. What are the most common insurance policies for cleaners? Public Liability Insurance Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and ...

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Insurance for Cabinet Makers

... on your business. As a cabinet maker, one of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance  is designed to provide protection for you and your cabinet making ...

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Insurance for Butcher Shops

... , without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested party ...

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Insurance for Tradesmen

... a pile of rubble, you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Social Workers

... legal costs associated with responding to or managing claims which are covered by the policy. Public Liability* Public Liability insurance * is an easy choice for social workers. Whether you are out visiting clients in ...

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Insurance for Psychologists

... to or managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection ...

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Insurance for Plasterers

... in the policy wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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Business Insurance FAQs

... . What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? How much public liability insurance do I need? How much does public liability insurance cost? How ...

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Sole Trader Insurance

... or at theirs, visit different work sites, or accept deliveries to your place of work. Public Liability insurance helps shield your business against injuries and property damage claims brought by these people or other ...

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Managing Risk and Liability as a Sole Trader

... , contract provisions that provide compensation, and the following types of sole trader insurance . Public liability insurance* Public liability insurance provides protection for you and your business in the event that a ...

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Earthmoving and Excavators Insurance

... consider for your business. Here's an overview of some popular ones: Public Liability* Public Liability insurance is a common insurance coverage for all types of businesses. It covers legal fees and compensation costs ...

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7 Common Types of Small Business Insurance

... It's wise to consider insuring your assets, your revenue, and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...

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Insurance for Concrete Contractors

... vital to many small concrete businesses. Many choose to protect themselves with cover such as: Public Liability Insurance Public Liability is a must-have policy for many concrete workers. This covers you if a third party ...

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Insurance for Fencing Contractors

... Your legal defence costs (Public Liability) And more! Find fencing business insurance in minutes with BizCover. Compare quotes only and get instant cover today! How much does business insurance cost for fence contractors ...

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Reviews related to Instant 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.