Personal Public Liability Insurance

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

Compare quotes from our trusted insurance partners*:

Public Liability Insurance Explained

... of time. **Many public liability policies also provide cover for product liability. Related: What does Public Liability insurance cover? What does Public Liability insurance typically not cover? Personal injuries to you ...

read more

How much does Public Liability Insurance Cost?

... for personal injury or property damage that may be caused by the products they manufacture or sell, under the liability provisions of the Australian Consumer Law. How much do Tradesmen pay for Public Liability Insurance ...

read more

Public Liability Insurance In Perth

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

read more

What does Public Liability Insurance cover?

... . Bear in mind that Public Liability insurance is designed for all ... Liability Insurance is designed to provide cover for include: Any award or settlement of compensation to a third party due to them sustaining personal ...

read more

How much Public Liability insurance do I need?

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

read more

Public Liability Insurance In Rockhampton

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

read more

Public Liability Insurance In Port Macquarie

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

read more

Public Liability Insurance In Mandurah

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

read more

Public Liability Insurance In Hobart

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

read more

Public Liability Insurance In Darwin

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

read more

Public Liability Insurance In Brisbane

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

read more

Public Liability Insurance In Adelaide

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

read more

Public Liability

... 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 ...

read more

Public Liability Insurance for Cabinet Makers

... . This could put your personal assets, like your home and belongings, at risk if a claim against you succeeds and you do not have other means to pay the award amount. Having Public Liability insurance in place means you ...

read more

Does Public Liability insurance cover employees?

... Public Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal Liability ... What is not covered by Public Liability insurance? PL does not cover certain events ...

read more

Public Liability Insurance VIC PPC

... 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 ...

read more

Public Liability Insurance NSW

... cost 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 ...

read more

Do I Need Public Liability insurance?

... though it's not required by law for most, all small businesses should consider having Public Liability insurance to protect them against personal injury caused to a third-party or damage to their property. No matter how ...

read more

Public Liability Insurance in QLD

... help protect your business. What is covered by Public Liability insurance in Queensland? A Public Liability policy can provide essential cover for your Queensland business: Personal injury suffered by a third party (e.g ...

read more

Public Liability Insurance NSW

... paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and ... *? personal injury suffered by a third party (e.g. a customer, supplier or member of the public); ...

read more

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 ...

read more

Public Liability Insurance Scenario

... caught short without adequate insurance, is their personal horror story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you ...

read more

Public Liability Insurance QLD

... is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your ... personal injury suffered by a third party (e.g. a customer, supplier or member of the public ...

read more

New Public Liability-1b

... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...

read more

New Public Liability-1a

... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...

read more

New Public Liability-1c

... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...

read more

Public Liability PPC

... from being clumsy. But 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 ...

read more

Information Technology Liability Insurance

... against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined ...

read more

Allied Health Combined Liability Insurance

... activities means there is a risk of personal injury or property damage claims being made against your business. Even if you're practice is home-based, the Public Liability insurance provided under your Home and Contents ...

read more

Claim for Public Liability

... quotes from our trusted insurance partners: Public Liability It's important ... to notify your insurer as soon as possible of all compensation claims made against you for third party personal ...

read more

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 ...

read more

7 Common Types of Small Business Insurance

... and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - ... your personal assets too. Related: Management Liability Insurance explained 6. Cyber Liability Insurance If ...

read more

PI And PL Insurance

... these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With ... can result in personal liability for alleged or actual wrongdoing. Management Liability is often offered ...

read more

Business Insurance

... ? You may want protection in place should you accidentally cause injury or damage to their personal property. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

read more

Insurance for Butcher Shops

... with any award of compensation payable to a third party. Public Liability insurance usually includes Product Liability cover , to protect against personal injury or property damage caused by the products you sell ...

read more

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 ...

read more

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 ...

read more

Insurance for Retailers

... to protect your business against personal injury or property damage claims caused by the products you sell. Many Public Liability policies include Product Liability cover. Business Insurance* Your customers are important ...

read more

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 ...

read more

Insurance for Cafes

... included with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products. Public Liability Insurance* Do you need Public Liability insurance? The short ...

read more

Product Liability Insurance

... against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined ...

read more

Cyber Liability Insurance

... risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber ... of the data breach. The cost of hiring a Public Relations firm to assist the insured with re-building ...

read more

Insurance Considerations for Personal Trainers

... damages property) as a result of you providing your training services. Find Out More About Public Liability Insurance As a personal trainer you'll also be giving advice to your clients, ranging from the type of exercises ...

read more

Insurance for Architects

... the doors have closed. Public Liability Insurance Do you need Public Liability insurance? The short answer is ... have specific responsibilities which can result in personal liability for alleged or actual wrong-doing. ...

read more

Home Based Business Insurance

... insurance do home businesses typically consider? Public Liability One of the basic insurances to consider is Public Liability insurance. Public Liability insurance ... to their personal property. Cyber Liability Take the ...

read more

Insurance for Civil Engineers

... as a result of your negligent business activities. What is typically included? Public Liability insurance for Civil Engineers provides covers for: personal injury suffered by a third party (e.g., a customer, supplier, or ...

read more

Business Insurance in Townsville

... useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury ... re unable to work while you recover. Personal Accident and Illness insurance can help you keep things running at ...

read more

Insurance for Furniture Manufacturers: A Guide

... the Types of Insurance for Furniture manufacturers Public & Products Liability* As a furniture ... of the business.  Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide cover ...

read more

Insurance for Furniture Manufacturers

... safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a ... of the business. Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide levels of ...

read more

Business Insurance in Geelong

... space. Even if it's not required, Public Liability insurance can help you manage the costs of injury and ... back to business as usual quickly. Personal Accident and Illness insurance* This provides a weekly income benefit ...

read more

Insurance for Pizza Shops

... making Public Liability an important form of insurance to consider. Public Liability insurance is ... plastic mat in the prep area for a personal injury claim to arise. Business Insurance* Protect th e things that help you ...

read more

Understanding Insurance for Interior Designers

... . From accidentally causing damage to a client's personal property, to providing the incorrect designs and even ... suppliers the community and their property. Public Liability Insurance is designed to provide protection for ...

read more

Insurance for Marketing Consultants

... your professional service or advice. Having Personal Indemnity insurance will let you breathe easy, ... vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed ...

read more

Insurance for Restaurants

... your business with Public Liability insurance . Public Liability insurance is designed to ... of the public is injured or sustains property damage as a result of your negligent business activities. Personal injury claims ...

read more

Understanding Insurance for Graphic Designers

... claims which are covered by the policy. Public Liability Insurance* Whether you are interacting with clients at ... , GPS units Accessories for the items listed above Personal Accident and Illness* As a small business owner, ...

read more

Insurance for Makeup Artists

... business from personal injury or property damage claims caused by the products you sell. Did you know that some hair and beauty salons require contracting makeup artists to have Public Liability insurance before they ...

read more

Insurance for Restaurants & Cafes

... is 10 million dollars. Insurance for Restaurants & Cafes Public Liability Insurance There is no end to ... for: personal injury suffered by a third party (e.g., a customer, supplier, or member of the public) damage ...

read more

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 ...

read more

The risks of growing your small business

... primary insurances - public liability and professional indemnity - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...

read more

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 ...

read more

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 ...

read more

Fitrec and Health People

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

read more

How to start a gardening business in Australia

... insurance products that gardening business owners may consider: Public Liability Public Liability (PL ... or suffer an injury, how would you cope financially? Personal Accident and Illness provides a safety net when an ...

read more

Insurance for Allied Health Professionals

... activities means there is a risk of personal injury or property damage claims being made against your business. If you have a home-based practice, the Public Liability insurance provided under your Home and Contents ...

read more

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 ...

read more

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 ...

read more

Reviews related to Personal 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.