Public Liability Insurance In Brisbane

Public Liability Insurance in Brisbane

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Small Business (Public Liability) Insurance in Brisbane

If you’re a small business owner in Brisbane or Queensland, and you are looking for liability insurance for your business, you have to come to the right place. BizCover offers tailored small business insurance in Brisbane to meet your needs.

According to the Australian Bureau of Statistics, there are about 127,895 small businesses in Brisbane, with about 21,738 additional new business entries in FY 17-18.

The main employing industry in Brisbane is Healthcare and Social Assistance, employing 12.9% of the working  population. Professional and Scientific Services employ 11.1% of the working population and Education and Training employs 9.1% of the working population in the area.

The sector with the largest amount of registered businesses is Professional Scientific and Technical Services, which has 21,077 registered businesses, followed by Construction, with 16,136 businesses, followed by Rental, Real Estate and hiring which has 16,034 registered businesses.

Like all small business owners, Brisbane businesses each have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.

Most Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage.

Even the most careful businesses run the risk of injuring someone or damaging something during their operations. Chances are, like many other small businesses in Brisbane, if you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees (including defence costs) could potentially send you out of business. That’s why you should consider Public Liability insurance to provide the financial protection your business deserves.

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Requirements for Public Liability Insurance in Brisbane

Public Liability insurance is not mandatory by law in Brisbane and Queensland. However, Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations.

Many businesses in Brisbane and Queensland also purchase Professional Indemnity, Business Insurance.

What does Public Liability Insurance Cover in Brisbane?

Public Liability covers the property damage, litigation, lost company income, and other eligible losses. Insurance cover depends on type of coverage your business needs plus other several factors. Here are some examples of what might be covered:

  • Bodily Injury – Personal injury suffered by a third party (e.g. a customer, supplier or member of the public). Example: A customer trips over their personal trainer’s gym bag, the trainer is held legally responsible.
    Up to the policy limitations of responsibility, a public liability insurance policy could pay the personal trainer’s claims and related medical expenditures.


  • Property Damage – Damage to property owned by a third party due to your negligent business activities. Example: A consultant spills coffee on a client’s server causing damage and loss of data. The consultant’s general liability coverage could cover the subsequent claim, up to policy limits, and could pay for an attorney to defend the consultant if necessary.


  • Legal Fee Legal and defence costs associated with a covered claim. Example: An engineer Legal and defence costs associated with a covered claim Legal and defence costs associated with a covered claim Legal and defence costs associated with a covered claim

Get Liability Insurance quotes tailored thousands of Professions

BizCover covers most of industries and offers tailored insurance policies suitable for your business in Brisbane and Queensland. Some of the popular industries include Electricians, Tradies, Consultants & Realtors.


Every professional electrician or electrical contractor in Brisbane should obtain public liability insurance, which is meant to protect you and your electrical business in the event that a client, supplier, or member of the public is harmed or suffers property damage as a consequence of your irresponsible business operations.

Regardless of how excellent an electrician you are, the potential of creating fire, property damage, or personal harm is significant. If the property damage or personal injury is caused by another worker on site, whether one of your employees, a subcontractor, or someone else, the coverage will vary based on the insurance.


Working as a consultant for yourself may be a highly fulfilling job, but you must protect to avoid any potential risks for your services.

If your consulting services causes property damage or physical harm to another individual, Public Liability insurance will cover you across Brisbane, Queensland.

If you manage a consulting firm, you’re used to working long hours and putting in long hours.
Hours of study, brainstorming, and calculating went into every flawless client presentation or pitch.
But, unfortunately, every project you work on and every customer you earn comes with the risk of something going wrong.
Whether a customer loses money as a result of your advise, or a large storm damages your buildings to the point that you can no longer operate, there are a variety of situations that can have serious ramifications for your company.


As an architect in, finding the correct small business insurance may be complex. If you need to go onsite to a client’s property, or if you have clients or contractors come to your office, you should consider purchasing public liability insurance.

In the event that you, as the architect, or architect consultants, make a errors or omissions, you may be charged with costly defence fees to cover legal procedures as well as any compensation pay. Architects Liability insurance will protect you and your business against any legal costs, claims for bodily injury or property damage to third parties across Brisbane, Queensland.



Engineers like other small businesses face common risks, such as property damage or bodily injury claims. Engineers or Engineering contractors who design commercial and/or residential building in Brisbane typically require public liability insurance to protect themselves against claims and lawsuits made by customers, vendors, or members or employees.
Liability insurance is a protects your engineering business while providing service to clients, which is especially true for architects and engineers who operate independently or run their own company. That is why Public Liability insurance is important for engineers and civil engineers in Brisbane, Queensland.


Depending on your company’s needs, you may get coverage for things like theft of tools and equipment, public and tool liability claims and more.

Tradies insurance provides tailored coverage for your business, whether you’re a plumber, electrician, or sole trader in Brisbane.
BizCover allows you to tailor your package by selecting from a variety of public liability insurance levels, flexible tool cover, and commercial vehicle insurance choices.

If you are a sole trader or tradie, you can go on with your job without any additional stress if you have the correct insurance for your business.
Insurance for tradesmen may cover compensation costs, legal fees, tool repair or replacement, and more.

Real Estate Agents

If you own a real estate firm, you must be aware of the risks that come with running a business.
Some situations may cause enough financial hardship to bring your profession to a halt.
When selecting how to secure your real estate business, customised insurance tailored to the common risks in your business should be a top priority.

Public Liability insurance protects you if a customer is injured or their property is damaged while visiting your business or visiting your products or services.
It pays for the compensation you’re legally obligated to pay as well as your reasonable legal expenses.


IT Professionals

As more companies rely on online platforms for core business processes, IT Professionals & IT consultants face a variety of possible liabilities from customers and other parties, which may result in crushing financial and reputational risks if something goes wrong.

Public Liability insurance for IT professionals insurance is designed to meet the specific need of IT consultants.
BizCover’s IT professionals insurance provides tailored coverage for your business, whether you’re a software programmer, website designer, project manager, developer, debugger or sell IT products/services.

BizCover offers business insurance for a wide range of occupations in Brisbane; such as

  • IT Consultants
  • Web Hosting service providers
  • Hardware/Software resellers and more


As a handyman’s work environment is continuously changes, you’ll frequently find yourself in unexpected scenarios posing unforeseen risks to you and others.
As a result, it’s a good idea to get Public Liability Insurance ahead of time to protect yourself.

If you injure a client or damage their property by mistake, you may be subject to a public liability claim, which may cost thousands of dollars.

Handymen Insurance covers legal fees and compensation costs if a customer, a member of the public, or a supplier makes a claim against you for injury or property damage as a result of your allegedly negligent business operations in Brisbane, Queensland.


Restaurants and hospitality

BizCover offers specialised insurance for businesses operating in the restaurants, hospitality and food services industries in Brisbane. If you own a restaurant, a cafe, a cofee shop or takeaway shop or a bakery, you may often require Public Liability insurance to cover fit your needs.

Get public liability insurance to cover against theft, equipment breakdown, business interruption whether you are a sole trader, small takeaway shops or multi-store restaurant businesses.

These are just a few of the types of hospitality businesses that we cover

  • Small cafes
  • Restaurants
  • Coffee shops/barista
  • Internet cafes
  • Food vendor/food business


Personal Trainer

Whether you work on a full-time or casual basis, in a gym or local park, with one client or with groups, all trainers run the risk of an accident occurring regardless of experience, location or specialised skillset.

Whether you’re a personal trainer, yoga teacher, or other specialised fitness expert, BizCover can help find coverage against the unexpected with public liability insurance in Brisbane.

Personal trainer liability insurance protects you if a third party claims that you were negligent in providing your services or offering advice and that they were injured or financial expenses as a result.

Public Liability Insurance in Brisbane Costs

On average, small businesses in Brisbane pay around $55**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations.

Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors including:

  • The type and nature of your business
  • Your business turnover and size
  • The amount of insurance cover your business needs

Victorian Small Businesses Saved on Public Liability Insurance via BizCover


Saved $700


Saved $3,000
Management Consultant


Saved $8,000

Frequently Asked Questions

Is Public Liability Insurance required by law in Brisbane?

Answer goes here, it should be around 80-100 words.

Like in Australia, Public liability insurance is not required in Queensland.
Certain industries, on the other hand, may demand public liability insurance as a condition of their licence.
This is a common requirement in construction industries like builders and electricians.
Furthermore, some landlords may demand you to have it in order to take out a lease for your rented company space. In any case, rather than relying just on licencing requirements, you should base your decision to purchase public liability insurance on the specific needs of your company.
You should think about getting public liability insurance.

Which insurance cover is suitable for your Queensland business

Answer goes here, it should be around 80-100 words.

Which cover is appropriate for your business will depend on what type of business you’re running.

Each business will have its own set of conditions, resulting in a unique risk exposure.
A company that organises huge public events, such as a music festival, would often need more public liability coverage than a small office-based company, such as an accountant.

In order to select appropriate coverage for your business, you must first assess all of the hazards to which you may be exposed, then consult with an expert about acquiring appropriate coverage.

How do I get insurance quote?

Answer goes here, it should be around 80-100 words.

Getting a quote on your insurance is quick and easy. To obtain insurance quote, simply fill up the online form providing your relevant business details and we will prepare your quotes.. Get instant and free insurance quote for your business.

What is Certificate of Currency (COC) and when will I get this?

Answer goes here, it should be around 80-100 words.

A Certificate of Currency is a document that verifies that a current insurance policy is in effect as of the date of issue and includes the policy’s terms.

This is a document that your insurer issues to prove that your coverage is current and generally includes the amount and terms of the protection you have.

When you purchase Public Liability insurance online, we will email your Certificate of Currency instantly.

Do Sole Traders and Contractors need Public Liability Insurance?

If you are a sole trader, contractor, or freelancer who regularly interacts with the general public, a third party might file a claim for damage or injury against you if an accident occurs.

You may be obliged to compensate the costs of the third party as well as fund your own legal defence if you do not have Public Liability Insurance.

Before starting a new contract, workplace, or site, as a single trader or contractor, you may be asked to present proof of Public Liability Insurance.

How much Public Liability insurance do I need (in Brisbane)?

Answer would be around 80-100 words.
Determining how much Public Liability insurance your business needs may depend on the level of risk your business faces, as well as other factors like industry or contractual requirements. It’s important that you examine the scope of your job and the degree of financial protection you’ll require in the event of a public liability lawsuit being filed against you.

BizCover there are three levels of cover (limits of liability) available: $5 million, $10 million or $20 million.

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Michael R.

Engineering Consultant

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