Public Liability Insurance in WA
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Public Liability insurance for businesses in WA
As a small business owner in Western Australia, you no doubt already have a lot on your plate. From paying staff to meeting deadlines and generating new business – the list never ends. The last thing you want to worry about is unexpected accidents. 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 brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
What is typically included with Public Liability insurance?
The following are typically covered in a Public Liability insurance policy:
Compensation payments for personal injury suffered by a third party (e.g. a customer, supplier or member of the public) due to your negligent business activities.
Compensation payments for damage to property owned by a third party due to your negligent business activities.
Legal and defence costs associated with a covered claim.
Some of the things that are typically not covered include:
- 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.
How much do trades & services pay for Public Liability insurance in WA?
On average, a small business operating in the trades & service industry in WA paid $44 per month* for Public Liability insurance through BizCover. There is a wide variety of occupations classified within this industry, with each occupation having its own level of risk. This means premiums will vary from business to business. Below you’ll find a selection of 5 popular trades in WA and how much they are expected to pay.
| Occupation | Starting From^ |
|---|---|
| Plumber/Plumbing and Gas Services | $60.49 |
| Painter/Decorator | $43.85 |
| Electrician/Electrical Services | $42.52 |
| Carpenter/Carpentry Services | $38.63 |
| Handyman (excluding gas, plumbing and electrical works requiring a license) | $38.61 |
^ The pricing information provided is based on insurance quotes available through the BizCover platform as of April 2025. The quotes reflect indicative premiums for sole traders with annual revenue up to $50,000, a coverage level of $5 million, and an excess of $500. This information is intended as a general guide only and does not constitute personal financial advice. It does not consider your individual objectives, financial situation, or business needs. All pricing includes applicable monthly platform and credit card fees and is subject to change without notice.
How much do Retailers pay for Public Liability insurance in WA?
The average amount a small business retailer operating in WA can pay for Public Liability insurance through BizCover is $60 per month*. There are many business types that are classified as retailers, from toy stores and florists to restaurants or catering services. Each business type has its own level of risk, meaning premiums will vary from retail business to retail business.
How much do professionals pay for Public Liability insurance in WA?
Professionals pay an average of $37 per month* for their Public Liability insurance in WA with BizCover. The term ‘professionals’ covers a wide range of occupations that typically need specialist training and qualifications – from real estate agents and marketing consultants to IT consultants and music teachers. Each profession has its own level of risk, meaning premiums will vary from profession to profession.
To get a better insight, we have provided analysis of five of the most common WA Professional occupations insured through BizCover during the 2024 financial year and their individual average monthly premiums below.
| Occupation | Average Monthly Premium* |
|---|---|
| Construction Project Management Service (Fee Or Contract Basis) | $65.64 |
| Engineering Consulting Service | $45.25 |
| Labour Hire Service | $36.99 |
| Management Consulting | $35.01 |
| Bookkeeping and BAS Agency Services | $18.76 |
Your cover options
With BizCover, you can choose Public Liability policies with 3 possible limits of liability (levels of cover): $5 million, $10 million or $20 million.
Policies are tailored to the 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 insurance?
- Has your industry body set a minimum level of public liability insurance for membership?
- Does your business or trade licence require a minimum amount of public liability insurance?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
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