Public Liability Insurance Canberra

Over 6,000 Occupations Covered
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What does Public Liability Insurance cover?

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How much does Public Liability Insurance Cost?

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Public Liability Insurance Explained

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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

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Public Liability Insurance In Hobart

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Public Liability Insurance In Darwin

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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 ...

What is Product Liability Insurance?

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What Tradies Need to Know About Public Liability Insurance

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How much does Public Liability Insurance cost for Tradesmen?

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

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Public Liability Insurance NSW

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Public Liability Insurance WA

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Do I need Public Liability insurance?

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Public Liability Insurance QLD

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Public Liability Insurance NSW

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A Sole Traders Guide to Understanding Public Liability insurance

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Legal Requirement for Public Liability Insurance

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5 Things to Consider When Buying Public Liability Insurance

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Public Liability Insurance for Cabinet Makers

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

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Public Liability Insurance Scenario

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Public Liability Insurance QLD

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

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Understanding the difference between Public and Product Liability insurance

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The difference between Public Liability and Professional Indemnity insurance

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Public Liability PPC

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Allied Health Combined Liability Insurance

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Information Technology Liability Insurance

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A sole traders and freelancers guide to business insurance

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5 Things to consider when purchasing business insurance

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Insurance for Engineers

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Insurance for Architects

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Insurance for Plasterers

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7 Types of Insurance Your Small Business Should Consider

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Business Insurance Guide for the Self-Employed – Part 1

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Understanding insurance for recruitment consultants

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Insurance for Cafes

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Insurance for Consultants

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Insurance for Restaurants & Cafes

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Business Insurance FAQs

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Insurance for Retailers

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Insurance for Psychologists

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Understanding Insurance Requirements for Electricians in QLD

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Keep calm and stretch on with Yoga Teacher insurance

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Home Based Business Insurance

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Insurance for Gift Shops

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Insurance for Restaurants

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A quick guide to understanding small business insurance

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7 Surprising ways business insurance can help your company

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5 Questions to ask yourself before buying Insurance for your Small Business

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Insurance for Convenience Stores

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Insurance for Butcher Shops

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Understanding Insurance for Real Estate Agents

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How much does Combined Liability Insurance Cost for Allied Health Professionals?

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5 Reasons to consider Cyber Liability insurance for your company

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Cyber Liability Insurance

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Who needs Professional Indemnity insurance?

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Insurance for Personal Trainers

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Insurance for Civil Engineers- what you need to know

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Professional Indemnity Insurance

... and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With BizCover you can choose policies with levels of ...

Insurance for IT Professionals

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Insurance for Real Estate Agents

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Insurance for Nurses

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Insurance for Furniture Manufacturers

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Insurance for Land Surveyors

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Understanding Insurance for Mortgage Brokers

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Understanding Insurance for Interior Designers

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Insurance for Project Managers

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Insurance for Pizza Shops

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Insurance for Cabinet Makers- What You Need to Know

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

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Insurance Considerations for Personal Trainers

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... Web developer Common types of insurance for home based businesses Public Liability* One of the basic insurances to consider is Public Liability insurance.  Public Liability  insurance is designed to provide protection ...

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... 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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... 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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... 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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Reviews related to Public Liability Insurance Canberra

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
very easy to get my public liability insurance done within minutes!! Thanks.

Troy M
Landscape Construction
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
seems easy enough to obtain our public liability. Hopefully we are fully covered now.

Natalie R
Commercial Cleaning Services

Public Liability Insurance Cost

What’s included & what’s not?

Get the right cover

FAQ’s

Public Liability insurance

Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.

Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

Public Liability explained further…

Product Liability explained further…

What kind of businesses need Public Liability insurance?

In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.

An example of some of the typical types of businesses that may take a Public Liability insurance policy include:

Trades
Professionals
Wholesalers
Manufacturers
Travel and tourism
Office based

What is typically included?**

Compensation for:

Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
Compensation for damage to property owned by a third party due to your negligent business activities
The legal and defence costs associated with a covered claim
Compensation for damage of third-party goods not owned by you which are in your care, custody or control

**Many public liability policies also provide cover for product liability.

What is typically not covered?*

Injuries to your employees
Damage to your own property
Costs of rectifying faulty workmanship or product recall
Professional negligence
Contractual liability
Events occurring before or after the policy period
Aircraft products
Asbestos
Liquidated damages
Gradual pollution
Punitive damages- where the insured acted so badly that extra damages were awarded
Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

Public Liability Fact Sheet

Your Cover Options

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

Do any of your contracts require a minimum level of public liability cover?
Has your industry body set a minimum level of public liability cover for membership?
Does your business or trade licence require a minimum amount of public liability cover?
What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

GET INSTANT QUOTES

Why choose BizCover for your Public Liability insurance?

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

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: [email protected] 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.