What is Public Liability Insurance?

Public Liability Insurance covers your businesses liability for injuries to another person or damage to their property. The likelihood of being sued for negligence is unpredictable and could be costly. Our Public Liability Insurance covers your business against claims for negligent acts, which cause personal injury or property damage.

Save up to $100 when you buy business insurance online

Find out about the types of business policies you can save on by purchasing online.

Need a certificate of your current policy?

If you need to prove you hold an existing NRMA Business Insurance policy, you can request a Certificate of Currency.

Request Certificate of Currency now

If you would like a copy of your policy, you can request a Certificate of Insurance.

Request Certificate of Insurance now

If you require we can provide you with a Tax invoice.

Request Tax Invoice now

How much do I need?

This can depend on:

  • A contractual requirement for you to take out a minimum amount of liability cover. For example, if your business is located within a shopping centre (Westfield), a minimum amount of liability cover may be required
  • The potential for your business to cause personal injury and/or property damage to third parties.

At NRMA Insurance, we have three levels of liability cover (this amount represents your Limit of Liability) to choose from:

  • $5 Million
  • $10 Million
  • $20 Million.

We’ve been helping Australians for generations with their business insurance needs. In this time we have found that most customers have selected $10 million as their preferred level of liability cover.

Trades People

John is on a worksite and leaves behind some tools and equipment. The owner of the worksite walks around to see the progress and trips over one of John’s tools and injures himself. With public and product liability protection, John was able to avoid costly compensation payments and get on with running his business.

John is installing ducted air-conditioning into one of his customer’s homes. While John is running ducts through the ceiling he accidentally steps in the wrong spot and causes a large hole in the ceiling. He also damaged some of his customer’s contents. With public and product liability protection, John was able to avoid having to pay for costs to repair the ceiling and replace the damaged contents.

Retail

Jayne is a florist who owns her own shop within a shopping centre. While watering her display of flowers many of the pots leaked causing some of the water to pool on the tiles in her shop. One of Jayne’s customers accidentally slipped on the wet tiles and injured her knee. With public and product liability protection, Jayne was able to avoid the costly legal fees and compensation payments required and allowed Jayne the pace of mind to get on with running her business.

Domestic Service and Repair

David runs a domestic repair service. With some items David cannot repair them on-site and needs to take them back to his workshop. Overnight, David’s workshop was damaged by storm causing water to enter the premises. Some of the items damaged in the storm belonged to David’s customers. With public and product liability protection David was able to avoid having to meet the cost of replacing the item himself and was able to get on with running his business.

Important documents

Download the Product Disclosure Statement (PDS)

Including your home in your Business Insurance?

Download the Home Key Fact Sheet (KFS)

Things you should know

Our Home Key Facts Sheet (KFS) sets out some of the events/risks covered and not covered by our domestic homes listed in Business Insurance policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

Our Business Insurance provides you with

  • Value for money
  • Immediate cover
  • Minimal paperwork
  • Flexible payment options
  • Reward and recognition
  • Tailored cover.
Emad owns a car detailing company that services luxury cars. He shares what he's learnt about the value of business insurance when responsible for customers’ property. 

Emad owns a car detailing company that services luxury cars. He shares what he's learnt about the value of business insurance when responsible for customers’ property. 

Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.