Public Liability Insurance
Protect the business you’ve built with Public Liability Insurance
Public Liability Insurance
What is Public Liability Insurance?
Public Liability Insurance protects you and your business if it’s shown your negligence led to someone being injured or having their property damaged.
For example, if the floor in your shop is wet and a customer slips and hurts themselves, or you’re cleaning a client’s house and you accidentally break a window.
Without Public Liability Insurance, legal bills and compensation for these claims could disrupt your cash flow or ruin your business1.
So, whether you run an e-commerce website from your house, work on-site at your clients’ homes, or have a team and an office, Public Liability Insurance can protect you from these unexpected costs.
What's included
See how we can protect your business
Injury to someone else
Like if you accidentally leave work tools on the ground and someone trips and injures themselves.
Damage to someone else's property
For example if you're moving furniture for a client and accidentally break their lamp.
Legal costs
If a claim is made against you, we can cover the cost of your legal defence and compensation.
Other people's property in your control
For example, if you're cleaning a client's car and accidentally scratch the paint.
Injury or damage caused by your products
Like if someone gets sick from a coffee accidentally made with spoiled milk.
Staff negligence
Like if your employee doesn't clean up a spill in your shop, and a customer falls and injures themselves.
Optional extras
Add these when you get a Public Liability quote
Theft and money
Covers your business against break-in and theft.
Portable property
Covers your business tools of trade and equipment for fire, theft and some other incidents anywhere in Australia.
Commercial motor vehicles
Covers your business motor vehicles or mobile plant used to operate your business.
Eight more optional extras
Add cover for glass, machinery breakdown, electronic equipment and more.
Not included
There are some things we don't cover
Injuries to your staff
Injuries to your staff can be covered by Workers Compensation.
Paid advice
If you give advice as part of your business, you may need Professional Indemnity Insurance.
Product recalls
For example, if you sell heaters and there's a national recall.
Faulty work
For example, if your tiling does not meet required building standards or if your client is not satisfied with the services you provided.
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents
Save up to 10% when you get your new policy online2
Get more from your Public Liability Insurance
Add more protection for your business with extra cover for theft, machinery breakdown and more
Have a question? We can help
How much does Public Liability Insurance cost?
It depends on a number of factors, including the level of cover you choose, the type of business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
How much can I insure my business for?
You can choose to insure your business for up to $5 million, $10 million or $20 million AUD. If you need more cover, call us on 132 818 (8am–8pm, Mon–Fri).
To learn more about what's covered, read the Product Disclosure Statement (PDS).
I run a home business, am I covered with Public Liability Insurance?
Yes, Public Liability can protect your business against claims of negligence from clients or suppliers who visit your home. For example, if a client comes to your home for a meeting, and they trip on a loose wire and hurt themselves.
Do I need Public Liability Insurance?
It depends, every business is different. Lots of different businesses use Public Liability Insurance to protect against claims of negligence. For example, if you own a shop and a customer trips on a fallen box and hurts themselves, or you run a bakery and a customer gets very sick after eating an unrefrigerated cake.
Legal bills and compensation can be very expensive and could disrupt your cash flow of your business. To protect what you've built, Public Liability Insurance can cover $5 million, $10 million or $20 million worth of these costs, depending on which level of cover you choose. If you need more cover, call us on 132 818 (8am–8pm, Mon–Fri).
Things you should know
This is only general information. We haven't considered your personal circumstances, so you need to decide if this information applies to you. Before you decide to buy insurance, always read the Product Disclosure Statement (PDS).
The discount is automatically applied to new, eligible Business Insurance policies, and terms and conditions apply. You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer can be withdrawn at any time and is subject to the full terms and conditions.
Have another policy with us? Log in to see how much you could save
If you need help, you can talk to us. Call 1800 780 012 (8am–8pm, Mon–Fri)