Public Liability Insurance
Cover for claims involving your business
If your business deals with customers, clients, contractors or the public, public liability insurance can help cover certain claims for injury or property damage arising from your business activities.
Ideal Insurance Brokers can review how your business operates and help you compare suitable public liability options.
Access across leading Australian insurers and underwriting agencies, including:
What Does It Cover?
What Does Public Liability Insurance Cover?
Depending on the policy, public liability insurance can cover certain amounts you become legally liable to pay for. Cover is subject to the policy terms, conditions, exclusions and limits.
Damage to someone else's property
Legal and defence costs relating to a covered claim
Who May Need It?
Who May Need Public Liability Insurance?
Public liability can be relevant to many businesses, including:
Some contracts, landlords and principal contractors may also require a specific level of cover before work can begin.
Cover Limits
How Much Cover Do I Need?
The right limit depends on your business, the work you undertake and any contractual requirements.
Common limits include $5 million and $10 million, but the appropriate amount will depend on your circumstances.
If a client or contractor has specified a particular limit, we can review the requirement with you.
Premiums
Public Liability Insurance Cost
There is no standard price. Premiums can depend on factors such as:
- 01
Your business activities
- 02
Annual turnover
- 03
Where you work
- 04
Level of cover required
- 05
Claims history
- 06
Type of customers and contracts
We'll look at your business before comparing suitable options.
Certificates
Need a Certificate of Currency?
Many businesses are asked to provide a Certificate of Currency before starting work. If your policy is in place, we can help arrange the certificate and check that the policy details and liability limit meet the requirements you've been given.
Public Liability Insurance FAQs
No. Public liability generally relates to injury or property damage arising from business activities. Professional indemnity generally relates to claims arising from professional advice or services.
They may. Many principal contractors require subcontractors to have their own public liability policy.
Public liability and workers compensation are different types of insurance. Workers compensation generally applies to eligible employee injuries and is subject to state and territory requirements.
Let's Talk About Your Business
Tell us what your business does and where you work. We'll help you understand your public liability requirements and compare suitable options.