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 think about is paying for 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 are injured or sustain property damage as a result of your negligent business activities.   

Public Liability insurance is designed to cover compensation payments to a third party and legal costs associated with the claim (including defence costs).   What if a customer was injured after tripping on a box you didn’t put away or your employee damaged a client’s antique property?  A Public Liability insurance policy will help give you peace of mind 

We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover customer database in 2018 and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

Public Liability explained further…

Product Liability explained further…

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What is typically included*? 

  • 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 

What is typically NOT covered*? 

  • 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 & Service pay for Public Liability Insurance in WA?

On average, a small business operating in the Trades & Service industry in WA paid around $70.82 per month in 2018 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. 

Take a closer look at the table below where we have provided an analysis of the ten most common WA Trades & Service occupations insured through BizCover in2018 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 in 2018 typically paid  for Public Liability insurance through BizCover was around $60.32 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.  

Take a closer look at the table below where we have provided analysis of ten of the most common  WA Retail occupations insured through BizCover during 2018 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 -from real estate agents and marketing consultants to IT consultants and even 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 ten of the most common WA Professional occupations insured through BizCover during 2018 and their individual average monthly premiums below. 

*Data based on QLD BizCover customers

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? 
* As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web-page is general only and should not be relied upon as advice. 


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