Public Liability And Property Damage 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

... cover for product liability. Related: What does Public Liability insurance cover? What does Public Liability insurance typically not cover? Personal injuries to you or your employees Damage to your own property Costs of ...

read more

Public Liability

... , 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 ...

read more

How much does Public Liability Insurance Cost?

... 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? There are ...

read more

What does Public Liability Insurance cover?

What does Public Liability insurance* cover? Public Liability insurance provide s cover for your business if a customer, supplier or a member of the public is injured or sustain s property damage due to your negligent ...

read more

Public Liability Insurance In Rockhampton

... Rockhampton businesses 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 ...

read more

Public Liability Insurance In Port Macquarie

... Macquarie businesses 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 ...

read more

Public Liability Insurance In Perth

... * for Perth businesses 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 ...

read more

Public Liability Insurance In Mandurah

... Mandurah businesses 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 ...

read more

Public Liability Insurance In Hobart

... for Hobart businesses 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 ...

read more

Public Liability Insurance In Darwin

... for Darwin businesses 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 ...

read more

Public Liability Insurance In Brisbane

... Brisbane businesses 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 ...

read more

How much Public Liability insurance do I need?

... for compensation due to damage to property owned by a third party due to your negligent business activities ; and L egal and defence costs associated with a covered claim Many public liability policies also provide cover ...

read more

What is 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

Do I need Public Liability insurance?

What is Public Liability Insurance? Public Liability Insurance is a type of insurance designed to protect you and your business against claims of personal injury or property damage sustained as a result of your business ...

read more

Public Liability Insurance In Brisbane

... Indemnity, Business Insurance . What does Public Liability Insurance Cover in Brisbane? Public Liability covers the property damage, litigation, lost company income, and other eligible losses. Insurance cover depends on ...

read more

Public Liability Insurance VIC PPC

... , 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 ...

read more

Public Liability Insurance QLD

... protect 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 are injured or sustain property damage as a result ...

read more

Public Liability Insurance NSW

... needs to consider. 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 ...

read more

Public Liability Insurance WA

... 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 member of the public are injured or sustain property damage as a result of ...

read more

Legal Requirement for Public Liability Insurance

... of risk and should have a public liability policy of some nature. What Does Public Liability Insurance Cover? Broadly, public liability insurance covers loss or damage to property, injury or death and other negligent ...

read more

Public Liability Insurance NSW

... - they do happen! 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 ...

read more

Public Liability Insurance QLD

... 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 member of the public are injured or sustain property damage as a result of ...

read more

Public Liability Insurance In Adelaide

... for Adelaide businesses 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 is injured or sustain property damage as a result ...

read more

Public Liability Insurance for Cabinet Makers

... 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 can happen if your ...

read more

Public Liability PPC

... 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 compensation awarded, in the event of ...

read more

Insurance for Engineers

... and the general public. 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 is injured or sustains property damage ...

read more

Insurance for Architects

... and the general public. 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 is injured or sustains property damage ...

read more

Business Insurance

... is 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 ...

read more

Insurance for Tradesmen

... 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 a member of the public is injured or sustains property damage as a ...

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

Insurance for Carpenters

... need to consider is Public Liability insurance *. It provides cover for legal fees and compensation costs if a customer, member of the public or supplier sues you for injury or damage to their property as a result of ...

read more

Insurance for Landscapers

... . That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result ...

read more

Insurance for Handymen

... can go on! Public Liability insurance is designed to cover 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 ...

read more

Insurance for Painters

... you could be creating. Public Liability insurance is designed to protect you and your painting business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of ...

read more

Insurance for Cleaners

... make, we'll wipe away your worries with business insurance. With just a few clicks or a single phone ... go wrong and could leave you facing a public liability claim for personal injury or property damage. All it ...

read more

Insurance for pharmacy and pharmacists

... of the public is injured or sustains property damage as a result of your negligent business activities. Other Insurances for pharmacies Whilst Professional Indemnity and Public Liability insurance provides cover for ...

read more

Insurance for Car Wash and Auto Detailers

... 's where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a ...

read more

Insurance for Retailers

... retail shop owners. 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 is injured or sustains property damage as a result ...

read more

Insurance for Plumbers

... to consider is Public Liability insurance *. It 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 ...

read more

Insurance for Convenience Stores

... and the general public. 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 is injured or sustains property damage ...

read more

Insurance for Yoga Teachers

... if one of your clients stretches a bit too far and injures themselves? No matter how carefully you may plan ... cover. Public Liability insurance also covers you for claims relating to damage to third party property caused ...

read more

Insurance for Personal Trainers

... , together with medical costs and loss of income.    Public Liability insurance offers you piece of mind in the event an unwanted personal injury or property damage claim arises. Business Insurance* If you own expensive ...

read more

Insurance for Electricians

... you may need to add to your business insurance toolbox! Public Liability Insurance* Public Liability insurance is something every responsible electrician should have and is designed to provide protection for you ...

read more

Insurance for Victorian Plumbers

... of business insurance plumbers need to consider and 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 ...

read more

Insurance for Lawn Mowing Services

... or you accidentally causing damage to the neighbouring property for a claim to happen. Your Public Liability insurance policy provides financial protection by covering the legal and defence costs, court attendance ...

read more

Insurance for Consultants

... consultancy services. 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 ...

read more

Insurance for Allied Health Professionals

... 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 insurance may exclude claims relating ...

read more

Business Insurance Perth

... 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-parties personal property.At BizCover you can get your ...

read more

Business Insurance Melbourne

... 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-parties personal property.At BizCover you can get your ...

read more

Insurance for Hair & Beauty Services

... therapists. Public Liability insurance is designed to provide protection for you and your hair and beauty business in the event a customer, supplier or a member of the public is injured or sustains property damage as a ...

read more

Insurance for Mobile Food Vans

... . Public Liability insurance is important for mobile food van businesses, providing protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage ...

read more

Professional Indemnity Insurance

... have occurred prior to the period of insurance Acts of fraud and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I ...

read more

Do I need insurance for my market stall?

... and Product Liability. Public Liability Public Liability covers you for the costs that arise from claims for legal liability if a member of the public or another stallholder is injured or suffers damage to their property ...

read more

Insurance for Recruitment Consultants

... damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ...

read more

Insurance for Professionals

... damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ...

read more

Cyber Liability Insurance

... PR and crisis management costs What is typically NOT covered? Replacement equipment Property damage Prior known facts / circumstances (before the policy commenced) Intentional acts Download Cyber Liability Insurance Fact ...

read more

Insurance for Land Surveyors

... . Public Liability Insurance* Public Liability insurance is designed to provide protection for you and your business in the event a client, supplier or a member of the public are injured or sustain property damage as ...

read more

Insurance for Registered Migration Agents

... Liability insurance is an easy choice for Migration Agents. It is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property ...

read more

Insurance for Sole Traders and Self Employed

... is 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 ...

read more

What does Professional Indemnity Insurance cover?

... for: Damages and claimant costs awarded against you Civil liabilities which ... insurance Acts of fraud and dishonesty Accidental injury and property damage What types of professionals need Professional Indemnity insurance ...

read more

The Risks of Growing Your Small Business

... primary insurances - public liability and professional ... liability! Public Liability (or 'PL') covers claims against personal injury or property damage to a third party and can include Product Liability to cover damage ...

read more

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 and ... prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year ...

read more

PI Index: Premiums Decline 10 Straight Quarters

... of supply and healthy competition in the business insurance market. The BizCover Small Business Insurance Index has ... /Public Liability and Public Liability/Business Packs are not seeing the same reductions and are ...

read more

Insurance for Plasterers

... concrete decision. Public Liability insurance is designed to provide protection for you and your plastering business in the event a customer, supplier or a member of the public is injured or sustains property damage as a ...

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

... 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 insurance may exclude claims ...

read more

Insurance for Disability Workers

... workers. Public Liability insurance is designed to provide protection for you and your Disability Services business in the event a patient, supplier or a member of the public is injured or sustains property damage as a ...

read more

Business Insurance FAQs

... for Tradesmen? How much does public liability insurance cost for Restaurants and Cafes? Buying Public liability insurance in NSW Buying Public liability insurance in QLD Buying Public liability insurance in WA What is ...

read more

Who is Covered Under an IT Liability Policy?

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

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

Insurance for Social Workers

... public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Statutory Liability Statutory Liability insurance * protects you, your business and ...

read more

Insurance for Restaurants & Cafes

... to property damage or personal injury caused by your products. If you are part of your food business then you may want to consider ensuring you have cover for Product Liability with your Public Liability insurance.Some ...

read more

Insurance for Psychologists

... ; Public Liability insurance is an easy choice. for psychologists. It provides protection for you and your business in the event a client, supplier or a member of the public is injured or sustains property damage as ...

read more

Reviews related to Public Liability And Property Damage 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?

Built for small business

We know insurance and what makes small businesses tick

Clear and competitive pricing

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

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Public Liability Insurance

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: [email protected] 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.