Personal Liability Insurance Australia

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Public Liability Insurance Explained

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How much does Public Liability Insurance Cost?

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What does Public Liability Insurance cover?

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How much Public Liability insurance do I need?

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Public Liability Insurance In Rockhampton

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Public Liability Insurance In Port Macquarie

Public Liability Insurance In Perth

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Public Liability Insurance In Adelaide

Public Liability Insurance In Mandurah

Public Liability

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Public Liability Insurance for Cabinet Makers

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Product Liability Insurance

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5 reasons to consider cyber liability insurance for your business

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Cyber Liability Insurance

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Public Liability Insurance NSW

... of a claim? Frequently Asked Questions Public Liability insurance is a crucial form of cover that protects all different types of businesses from landscapers to personal trainers, real estate agents and restaurant owners ...

Does Public Liability insurance cover employees?

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What tradies need to know about Public Liability Insurance

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Do I Need Public Liability insurance?

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

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A sole traders guide to understanding Public Liability Insurance

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Top tips for buying Management Liability Insurance

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Public Liability Insurance in QLD

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Information Technology Liability Insurance

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Public Liability Insurance Scenario

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What is Management Liability Insurance and Who Needs It?

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Management Liability Insurance

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

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Professional Indemnity Insurance And Public Liability Insurance

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Business Insurance Guide for the Self-Employed – Part 1

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

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Business Insurance

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Insurance for Tradesmen

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Insurance for Cabinet Makers

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Insurance for Butcher Shops

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Insurance for Manufacturers

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Insurance for Flooring Installler

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Insurance for Carpenters

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Home Based Business Insurance

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Insurance for Car Wash and Auto Detailers

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7 Common Types of Small Business Insurance

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New Public Liability-1b

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A guide to plasterer’s insurance that won't leave you, board

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A Mumpreneurs Guide to Understanding Business Insurance

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Insurance for Pet Professionals

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Insurance for Lawn Mowing Services

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Insurance for Personal Trainers

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Insurance Considerations for Personal Trainers

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What insurance do contractors and subcontractors need?

Business Insurance Guide for the Self-Employed – Part 4

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Insurance for Dog Walkers

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How to become a personal trainer?

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Insurance for Painters

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Insurance for Fencing Contractors

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Insurance for Electricians

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Insurance for Concrete Contractors

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Insurance for Physiotherapists

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Insurance for Cleaners

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Insurance for Handymen

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Insurance for Plasterers

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Insurance for Concrete Pumping

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Business Insurance Perth

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Business Insurance Melbourne

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A practical guide to understanding business insurance

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5 things to consider when purchasing business insurance

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12 personal training marketing ideas to get more clients

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Insurance for Glaziers

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Insurance for Civil Engineers

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Insurance for Furniture Manufacturers

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Business Insurance in Townsville

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Insurance for Landscapers

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Who is Covered Under an IT Liability Policy?

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Legal Requirement for Public Liability Insurance

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Protect your business with Statutory Liability Cover

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How to Reduce Product Liability Risks

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5 ways to protect your business from liability risks

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How much does Public Liability Insurance cost for Tradesmen?

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

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Top 5 reasons for having Professional Indemnity and Public Liability insurance

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Cyber Liability Insurance: the safety net small businesses need

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

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Employment Practices Liability

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Statutory Liability*

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Public Liability PPC

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Claim for Cyber Liability

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Claim for Public Liability

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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?

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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.