Public Liability Insurance
Third-party injury and property damage.
Options
we arrange.
What the policy
typically includes.
Compensation claims for personal injury to third parties
Compensation for damage to third-party property caused by your business activities
Legal defence and court costs associated with insured claims
Damage to property that is under your care, custody, or control
Generally not covered
Injuries to employees
Damage to your own business property
Costs to fix faulty workmanship or product recalls
Professional negligence or advice-related claims
Contractual liabilities beyond common law
Incidents occurring outside the policy period
Aircraft-related products
Asbestos-related claims
Gradual pollution
Varies by insurer. We confirm before you buy.
Public Liability insurance,
answered plainly.
Is Public Liability Insurance compulsory in Australia?
It is not legally compulsory for most businesses, but many clients, councils, landlords and work sites require proof of Public Liability cover before you can operate or start a contract.
What is not covered by Public Liability Insurance?
Injuries to your own employees, damage to your own property, the cost of fixing faulty workmanship, professional advice claims and contractual liabilities beyond common law are typically excluded.
Do I need Product Liability Insurance as well?
If you manufacture, supply, sell or distribute products, Product Liability Insurance is strongly recommended. It responds to claims for injury or damage caused by a defective product.
How much Public Liability cover should I have?
Common limits are $5 million, $10 million and $20 million. The right limit depends on your industry, contract requirements and the potential severity of a claim. We help you match the limit to your obligations.
Get a public liability quote
this week.
No obligation. Plain English.