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

Need your Certificate of Currency or tax invoice?

Call 1800 780 012 to speak to our business insurance experts (8am–8pm, Mon–Fri).

Have a question? We can help

Things you should know

  1. 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).

  2. 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)