Public Liability Insurance In Brisbane
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Public Liability insurance for 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 brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
Most Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage.
What does Public Liability insurance cover?
Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business activities. It also covers claims for damage to property owned by a third party as result of your negligent business activities.
The following activities are typically not covered by a Public Liability insurance policy:
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship
- Professional negligence
- Contractual liability
- Motor vehicle claims
- Events occurring before or after the policy period
“I’m a repeat client – you are doing it right for me and simplifying what can be an arduous process taking many hours and valuable time. Job well done.”
Michael R.
Enginerring Consultant
What types of businesses need Public Liability in Brisbane?
Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations.
Many types of small businesses in Brisbane consider Public Liability insurance. These include businesses operating in some of the city’s top industries.
According to the Australian Small Business and Family Enterprise Ombudsman (ASBFEO), there are about 221,600 small businesses in Brisbane as of June 2023.
The main employing industry in Brisbane is Healthcare and Social Assistance, employing 15% of the working population. Professional, Scientific and Technical Services employ 12.1% of the working population, and Education and Training employs 8.7% of the working population in the area.
The sector with the largest number of registered businesses in Brisbane is Professional, Scientific and Technical Services (25,775 registered businesses), followed by Rental, Hiring and Real Estate (19,044 businesses) and Construction (17,859 businesses).
If you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees (including defence costs) could potentially put you out of business, regardless of what industry you work in. Public Liability insurance could provide important financial protection your business.
How much does Public Liability insurance cost for Brisbane businesses?
Given the various industries and occupations Public Liability insurance can cover, the cost of a policy can vary greatly. This is due to several factors including:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
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