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You can get a $150 Virtual Visa Gift Card^ with a new business insurance policy
Use promo code BUSINESS
Offer ends 6 December 2026. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment.^
Get up to 10% off when you buy an eligible new Business policy online.1
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 business.
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.
Choose the cover that suits your business and spread the costs with monthly instalments
Cover if you’re found liable for injury or damage to a third party’s property caused by your work, products or employees
Choose from $5 million to $20 million in liability cover
Here’s a summary of what’s included
Injury to someone else
Like if you accidentally leave work tools on the ground and someone trips and injures themselves.
Legal costs
If a claim is made against you, we can cover the cost of your legal defence and compensation.
Injury or damage caused by your products
Like if someone gets sick from a coffee accidentally made with spoiled milk.
Damage to someone else's property
Like if a rock propelled by a lawn mower accidentally cracks a neighbour's window.
Other people's property in your control
Like if you accidently damage a television while carrying out maintenance work.
Staff negligence
Like if your employee doesn't clean up a spill in your shop, and a customer falls and injures themselves.
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.
Add these when you get your Public Liability Insurance cover
Theft and money
Covers your business against break-in and theft.
Commercial motor vehicles
Covers your business motor vehicles or mobile plant used to operate your business.
Portable property
Covers your business tools of trade and equipment for fire, theft and some other incidents anywhere in Australia.
Eight more optional extras
Add cover for glass, machinery breakdown, electronic equipment and more.
If you own a business, you may want to consider getting Public Liability Insurance if:
When you work with the public, accidents can happen, and a claim could be made against your business. Public Liability Insurance can help your business cover the cost of a claim.
Australia’s Most Trusted Insurance Brand 2019 to 2026 Roy Morgan Most Trusted Brand Awards.
Public Liability Insurance is useful for any business that interacts directly or indirectly with the public. This includes sole traders, small business owners and subcontractors.
If a claim is made against your business for injury or damage you caused (either through a service you provided or a product you sold), Public Liability Insurance can provide financial support to help keep you in business.
Public Liability Insurance (also known as Public and Products Liability Insurance or General and Products Liability Insurance) might not be legally required for your industry, but most businesses consider getting this cover because of the range of risks they face at work. This includes businesses in the following industries:
Tradies like carpenters, electricians and plumbers and more can face risks on the job, like accidentally damaging part of a client’s home or injuring someone on-site with their tools.
Professionals like accountants, engineers, fitness instructors and more could accidentally spill coffee on a client’s laptop and damage it during a meeting, or have their client accidentally get hurt tripping over some uneven flooring in their office.
Retail businesses like shops, florists, hairdressers, barbers and online stores can face risks such as accidentally injuring a customer who visits their shop or causing damage through a product they’ve sold.
Cafes, restaurants, catering companies and more often have customers or suppliers entering their business premises or consuming products they’ve made, putting their business at risk of claims for food poisoning or other third-party injury.
Cleaners, gardeners, pet groomers and more can face risks such as accidentally damaging a client’s property or injuring someone while at work.
For full details including limits, conditions and exclusions, read these policy documents
Public Liability Insurance is not required by law for most businesses in Australia. Although it may not be compulsory, not having this type of insurance can result in significant financial losses for your business if certain things go wrong at work. Because of this, Public Liability Insurance is still the most common type of insurance among businesses of all sizes and industries, including sole traders, small businesses and larger companies.
There are some business owners that may need Public Liability Insurance to get set up and operate their business. Some examples might include retailers who want to open a store in a shopping centre or tradies who want to take on a contract or start work on a site.
How much your Public Liability Insurance costs depends on a number of factors, including:
Get a Business Insurance quote to see how much your policy could cost.
You can choose to insure your business for up to $5 million, $10 million, $15 million or $20 million AUD. If you need more cover, call us on 132 818.
To learn more about what’s covered, read the Product Disclosure Statement (PDS).
Public Liability Insurance can help protect your business if you’re found liable for injury to a third party or damage to their property. For example, if you’re a tradie and a member of the public trips over building materials left at your worksite and injures themselves.
Professional Indemnity Insurance can help protect you against claims arising from your negligent or mistaken professional advice or services. Like incorrect tax advice from an accountant that negatively impacts their client.
Depending on your occupation, you may be able to get Public Liability Insurance, Professional Indemnity Insurance, or both when you get a business insurance quote.
Yes, Public Liability Insurance is suitable for people who are self-employed, including sole traders, small business owners and subcontractors.
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.
Yes, Public Liability Insurance (also known as General and Products Liability Insurance) also covers injury or damage caused by a product you manufacture or sell.
For example, if you run a cafe and a customer gets sick from a coffee accidentally made with spoiled milk, or if you run a bakery and a customer gets sick after eating an unrefrigerated cake you made.
If you have a Business Insurance policy with us and need to make a claim, we’re here for you. We offer 24/7 claims lodgement over the phone, so you can make your claim as soon as possible. For more information about making a claim, you can visit our claims page.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
It depends, every business is different. The most common type of insurance for businesses is Public Liability Insurance. This is to protect against claims of negligence, like 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 put your business’s cash flow at risk. To protect what you’ve built, Public Liability Insurance can cover $5 million, $10 million, $15 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.
The cost of your Public Liability Insurance will vary depending on the type and size of your business.
Every business is different, which is why we offer multiple types and levels of cover to choose from. Based on the risks you face in your line of work, you may choose anywhere from $5 million of Public Liability cover to $20 million of Public Liability cover. You may also choose to add extra cover options to your policy to protect other areas of your business. This will affect the cost of your premium.
The best way to explore your Business Insurance options and find out how much it will cost is to get a quote.
You can access your business insurance online account 24/7 to request your Certificate of Currency, download policy documents, and make online payments, all in one place.
Add more protection for your small business with extra cover for theft, machinery breakdown and more
Need your Certificate of Currency or tax invoice?
Chat to our business insurance specialists online
Log in to manage your policies, get your documents and update your details online.
We’re here for you. Call us on 132 818.
Professional Indemnity Insurance can protect you from some unique risks your business faces when giving advice or providing a service.
Lawn mowing & gardening can have its challenges, like trailer accidents or property damage. Help protect your business with Business Insurance.
Commercial Motor Vehicle Insurance from NRMA Insurance can help protect your business vehicles, including cars, vans, utes and trailers.
^ The Virtual Visa Gift Card Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12am AEDT 19 October and 11:59pm AEDT 6 December 2026. Promo code BUSINESS must be applied to be eligible for this Offer. Policy must be paid for by the policy due date, and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Virtual Visa Gift Cards can be used in person, online and/or over the phone at retailers that accept the Virtual Visa Gift Card. Offer will not be applied to any renewal of your policy. See the full terms and conditions for the Gift Card Offer.