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Here’s the lowdown on QLD public liability insurance

As a small business owner in Queensland you already have a lot to worry about. From paying your employees, to getting stock delivered on time and generating new business – the list is endless! The last thing you want to think about is paying hefty legal costs, should an unwanted accident happen. And they do.

Public Liability Insurance protects you and your business against the legal costs of a claim should a customer, a supplier or even a member of the public get injured or suffer a loss (as a result of property damage) while you are providing a service, either at your workplace or at another location.

Put simply, with a Public Liability insurance policy you won’t have to pay for legal costs or compensation, should a customer lodge a claim for injury from tripping on a box you had planned to put away but never found the time to. Or your sales rep who accidentally spilt his coffee on your client’s laptop while he was enthusiastically showing them your latest product release.

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is included?

  • Compensation for personal injury and/or property damage to a customer or member of the public
  • Legal and defence costs

What is typically NOT covered?

  • Employee injury
  • Damage to your property
  • Known claims and circumstances

How much do Trades & Service pay for Public Liability Insurance?

The typical amount a small business operating in the Trades & Service industry in Queensland can expect to pay for Public Liability insurance is around $84.03 per month. There are a variety of professions that fall within this industry, with each occupation having its own level of risk. This creates a difference in premium pricing from one trade or service business to another.

To get a better understanding, we have provided analysis of 10 of the most popular Trades & Service occupations and their individual average monthly premiums below.

How much do Retailers pay for Public Liability Insurance?

The typical amount a small business Retailer can expect to pay for Public Liability insurance in Queensland is around $76.81 per month. There are a variety of professions that are classified as Retailers, from gift stores and florists to cafes or catering services. Each business type has its own unique level of risk, meaning premiums can vary from one Retailer to another.

To get a better understanding, we have provided analysis of 10 of the most popular Retail occupations and their individual average monthly premiums below.

How much do Professionals pay for Public Liability Insurance?

The term ‘Professionals’ includes a comprehensive range of occupations that usually require specialist training and qualification. This can include, but is not limited to, accountants, marketing consultants, IT consultants, and even beauticians. As such, each profession has its own element of risk, ultimately affecting the premium from one profession to another.

To get a better understanding, we have provided analysis of 10 of the most popular Professional occupations and their individual average monthly premiums below.


*Data based on QLD BizCover customers

Get the cover that’s right for your QLD business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?

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