What is Public Liability Insurance?

Do I need public liability insurance? Claim Example What is Public Liability Insurance?* Public Liability insurance protect s your business if a customer, supplier or member of the public is injured or ...

read more

Public Liability Insurance in Perth

... businesses in Perth pay $33.80 **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 ...

read more

Public Liability Insurance in Hobart

... , small businesses in Hobart around $29.30 **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 ...

read more

Public Liability Insurance in Darwin

... in Darwin pay around $30.80 **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 ...

read more

Public Liability Insurance in Adelaide

... businesses in Adelaide pay around $37.50 **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 ...

read more

Public Liability Insurance in Rockhampton

... , small businesses in Rockhampton pay $35.40 **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 ...

read more

Public Liability Insurance in Mandurah

... , small businesses in Mandurah pay $28 **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 ...

read more

Public Liability Insurance in Brisbane

... 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 ...

read more

Public Liability Insurance in Port Macquarie

... businesses in Port Macquarie pay $26.30 **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 ...

read more

What does Public Liability insurance cover?

... not having Public Liability insurance means you ... 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 ...

read more

Public Liability

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying ...

read more

What is Product Liability Insurance?

... Liability insurance usually forms part of a Public Liability ... insurance, cover is subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this website is general ...

read more

How much does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind ...

read more

Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... when disaster strikes, Public Liability insurance may also be ... 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 ...

read more

What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... the ins and outs of Public Liability insurance and what you need to ... bits. So ... and broke the plaster. The pl a sterer ‘ s insurer settled the claim paying just under $1 , 000 for the damage. Getting cover Sorting out your Public Liability insurance shouldn ‘ t be a ...

read more

5 Tips for getting the best Public Liability insurance for your business

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... to hold a minimum of $5 million PL insurance in order to secure a plumbing license. There ...

read more

Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... business); and Your business hosts off-site events that can be attended by the general public. A public liability insurance policy should include the scope of your business and any associated entities. This type ...

read more

Do I need Public Liability insurance?

... of the general public It's important to take the time to consider the potential costs your business would incur should a Public Liability claim occur. Did you know? Public Liability insurance is generally ...

read more

Public Liability NSW

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to ...

read more

Public Liability QLD

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry ...

read more

Public Liability WA

... property ? A Public Liability insurance policy will help ... 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 ...

read more

Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... of the main types of business insurances on the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance  provides protection* for  you and ...

read more

7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and ...

read more

Cyber Liability Insurance

... general only and should not be relied upon as advice. Could this happen to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance ... a Public Relations ...

read more

Insurance for Plasterers

... Insurance for plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance ... renovation, your Public Liability policy is ...

read more

Insurance for Tradesmen

... to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you ... all penalties. *The information provided is general only and should not be relied upon ...

read more

Insurance for Car Wash and Auto Detailers

... . T hat’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect ... * Portal Equipment insurance (also known as General Property insurance) covers you for ...

read more

Insurance for Handymen

... list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and ... ? The good news is you can protect them with General Property cover. It covers your essential gear against theft ...

read more

Insurance for Electricians

... The information contained on this web page is general only and should not be relied upon as ... were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover ...

read more

Insurance for Cleaners

... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance ... protect it with General Property (portable equipment) cover. General Property insurance can cover specific ...

read more

Insurance for Hair & Beauty Services

... with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always ...

read more

Insurance for Landscapers

... , there is always a chance for things to go belly up. That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a ...

read more

Insurance for Carpenters

... charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ...

read more

Insurance for Plumber

... on the Victorian Building Authority website . Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection ...

read more

Insurance for Yoga Teachers

... but you should also make sure you have the right insurance in place in case it all goes downward dog! One ... at risk of personal injury claims meaning Public Liability insurance is important for Yoga teachers. It ...

read more

Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... you want is a liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability  insurance is  intended to ...

read more

Insurance for martial art teachers

... martial arts teacher, making sure you have the right insurance in place to protect your business is one of the ... a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by ...

read more

Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... you are meeting them on – site, Public Liability insurance is one of the main types of cover ... policy. Portable Equipment insurance* Sometimes referred to as General Property insurance, this form of ...

read more

Insurance for Gift Shops

... Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are ... This is where Cyber Liability insurance* can help. Cyber Liability insurance is designed to help ...

read more

Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... offer protection for different types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you ...

read more

Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. ... Porta b l e Equipment insurance (also known as General Property insurance) covers you for loss and ...

read more

Business Insurance

... Public Liability Insurance ... Liability *As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document. The information contained on this webpage is general ...

read more

Insurance for Massage & Alternative Therapies

... variety of ailments as well as promoting their general health. Just like any health provider, it ... you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for ...

read more

Insurance for Architects

... is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

read more

Insurance for Marketing Consultants

... of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide ... The information contained on this web page is general only and should not be relied upon as ...

read more

Insurance for makeup artists

... , which is why Public Liability insurance is an important form of insurance. It provides protection ... them being lost, damaged, or stolen. General business insurance is designed to provide cover when insured ...

read more

Insurance for Cafes

... and do happen. Public Liability insurance is designed to ... 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 ...

read more

Insurance for Consultants

... Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance ... information contained on this webpage is general only and should not be relied ...

read more

Insurance for Retailers

... on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed ...

read more

Insurance for Butcher Shops

... requirement to hold Public Liability insurance and Glass ... 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 ...

read more

Insurance for IT Professionals

... maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend ... document. The information contained on this webpage is general only and should not be relied upon as ...

read more

Insurance for Personal Trainers

... associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep your business fighting fit.  In fact, it's ...

read more

Insurance for Psychologists

... . Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is ... The information contained on this web page is general only and should not be relied upon as ...

read more

Insurance for Restaurants

... your business with Public Liability insurance . Public Liability insurance is designed to ... building and all its contents: Building* -This type of insurance provides cover for your building if it is damaged as a ...

read more

Insurance for Furniture Manufacturers

... to manufacturers/suppliers who fail to comply with mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a variety of risks that you are potentially exposed ...

read more

Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... may also be a legal requirement to have Public Liability insurance in place before you undertake a contract or ... Equipment cover ( also known as general property insurance) can provide protection by insur ing ...

read more

Insurance for Bakers

... from. When you are selling your baked goods to the public the risk of food poisoning could result in not one ... which makes Public Liability an important type of insurance to consider. Public Liability insurance is ...

read more

Insurance for Recruitment Consultants

... by your policy. Public Liability Insurance* Public Liability insurance is an easy ... consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your ...

read more

Insurance for Dog Walkers

... business within a public park. Insurance for Dog Walkers Public Liability Insurance* Public Liability insurance is important for dog walkers. Public Liability insurance is designed to ...

read more

Insurance for Professionals

... to your clients, we're in the business of providing insurance options to keep you protected. Whether you're an ... and expert fees). Public Liability Insurance* Public Liability insurance can be an ...

read more

Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... also be a requirement for you to have your own Public Liability insurance policy. Always be sure to check the level of ... . The information contained on this web page is general only and should not be relied upon as advice ...

read more

Insurance for Real Estate Agents

... are often visiting your client's properties. Public Liability insurance is designed to provide protection for you ... data was being restored. Fortunately, they had Cyber insurance and were able to claim $7,440 to cover ...

read more

Insurance for Pizza Shops

... is an environment where accidents can easily happen, making Public Liability an important form of insurance to consider. Public Liability insurance is designed to provide protection for you and your ...

read more

Insurance for Civil Engineers

... of the public. Public Liability insurance is designed ... 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 ...

read more

Insurance for Project Managers

... policy. Public Liability Insurance* Whether ... 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 ...

read more

Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... protect yourself against claims arising from your previous work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public on a regular basis, there is a chance ...

read more

Insurance for Nurses

... activities. Public Liability Insurance* Considering how closely you have with your patients; Public Liability insurance is ... The information contained on this web page is general only and should not be relied upon as ...

read more

Insurance for Convenience Stores

... Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance ... years to settle. Fortunately, Public Liability insurance can provide you and your business ...

read more

Insurance for Registered Migration Agents

... your exclusive discount code. Public Liability Insurance* Public Liability insurance is an easy choice for ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

read more

Insurance for Sole Traders and Self Emplyed

... need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection ... and the industry they operate in. For example, the insurance needs of a handyman are not likely to be the ...

read more

Insurance for Tutors

... professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring ... individual business needs^ Insurance for Tutors Public Liability Insurance* Whether you are out ...

read more

5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... for your business? Not all Public Liability policies are the same and ... ... T erritory ha s its own set of laws when it comes to legal requirements for holding Public Liability insurance. For some trade professions, it may be mandatory to have a policy in place before you can ...

read more

Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

read more

Public Liability PPC

... But you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs ...

read more

Management Liability Insurance

... Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are ... take out include: Directors & Officers Liability - protects directors and officers from losses ...

read more

Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... ... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional ... costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...

read more

BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... all products, driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for ...

read more

Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... . Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

read more

Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... , for example, falling over a piece of yoga equipment that's been left on your studio floor, Public Liability insurance can cover the related costs to defend such claims. Any compensation awarded to the claimant may also ...

read more

Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and ...

read more

5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3 rd parties due ...

read more

Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is ...

read more

A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... to the victim and still be able to survive financially? Many contracts will require you to have your own Public Liability insurance before you even step foot on site. Make you sure you arrange your cover with the right ...

read more

Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

read more

BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

read more

Reviews related to general public liability insurance

  • product knowledge and advice are excellent

    Frank F
    Other

  • Easy to read understand and follow

    Tui d
    Other

  • Easy As!! Thank you

    Casey W
    Entertainment

  • EASY CONVENIENT!

    HONGWEI Z
    Travel

  • Excellent Customer Service

    Trevor C
    Other

Get instant quotes

Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. 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 also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

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

 

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique 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:

*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.