Public Liability Insurance QLD

What is covered by Public Liability insurance in Queensland?

A Public Liability policy provides essential cover for:

Public Liability insurance also provides cover for the compensation payments to a third party and legal costs associated with the claim (including defence costs).

What isn’t covered?

Public Liability insurance typically does not cover events such as:

• Injuries to your employees
• Damage to your own property
• Costs of rectifying faulty workmanship
• Professional negligence
• Contractual liability
• Events occurring before or after the policy period

Who needs Public Liability insurance in QLD?

There are many types of small businesses that consider Public Liability cover in QLD, including:

• Trades, Construction & Service – From carpenters and electricians to cleaners and decorators, Public Liability can provide important protection against third-party claims.
• Retailers – Protect your business against claims brought by customers, suppliers, delivery people, and other members of the public.
• Hospitality – You may need Public Liability cover for your restaurant, café, food truck, or other dining and hospitality business.
• Professionals – Many professional service providers—such as real estate agents, marketing consultants, IT providers, and music teachers—consider Public Liability to protect their businesses.

If you’re unsure if this cover is right for your small business, it may help to ask yourself these questions: 

• 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?
• Compare Public Liability insurance for QLD sole traders and small businesses today!