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Here’s the lowdown on WA public liability insurance

As a small business owner in Western Australia you already have a lot on your plate. From paying your staff, to meeting tight deadlines and creating new business – the list is never ending! The last thing you want to have to deal with is forking out thousands of dollars in legal costs and compensation should an unwanted accident occur. But the reality is, they do.

Public Liability insurance protects you and your business against the financial costs if a customer, supplier, or even a member of the public is injured or suffers a loss as a result of property damage while you are delivering a service, whether at your workplace or another location.

When it comes down to it, having a policy in place means you won’t have to pay for legal costs or compensation from your own back pocket should a customer slip down your stairs, or your sales rep accidentally spills their tea on your client’s tablet while they were eagerly showing them your latest product range.

Public Liability explained further…

Product Liability explained further…



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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
  • Claims arising out of the use of motor vehicles
  • Damage to your own property

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

On average, a small business operating in the Trades & Service industry in WA pays around $70.82 per month for Public Liability insurance. There are many occupations that fall within this industry, with each profession having its own level of risk. This can impact the premiums in pricing from one trade or service business to another.

Take a closer look at the table below where we have provided an analysis of the ten most popular Trades & Service occupations and their individual average monthly premiums.

How much do Retailers pay for Public Liability Insurance in WA?

The average amount a small business Retailer operating in WA typically pays for Public Liability insurance is around $60.32 per month. There are several business types that fall under the Retailers classification, from clothing stores and florists to cafes or catering services. Each one of these professions has its own unique level of risk, resulting in varying premium costs from one Retailer to another.

Take a closer look at the table below where we have provided analysis of ten of the most popular Retail occupations and their individual average monthly premiums.

How much do Professionals pay for Public Liability Insurance in WA?

The term ‘Professionals’ covers a wide range of occupations that typically need specialist training and qualifications. This can include, but is not limited to management consultants, IT consultants, and even photographers. Each profession has its own degree of risk resulting in a difference in premium from one profession to another.

To get a better insight, we have provided analysis of ten 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 WA business

BizCover offers three different levels of cover to select from, being $5 million, $10 million and $20 million.

Policies are typically tailored to suit particular industries and occupations. The amount of cover required will depend on the unique needs of each business however, it’s important to consider 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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