Public liability insurance is designed to help protect your business against claims of injury to a third party or damage to their property arising from your business activities, premises or products, subject to policy terms.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Whether you run a retail store, a trades business, a café or restaurant, or provide services at a client’s site, interacting with the public creates exposure to claims that can arise unexpectedly. Public liability insurance is one of the most fundamental covers for businesses of almost any size or industry.
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Is designed to help protect your business against claims relating to injury or property damage caused by a product you manufacture, supply, distribute or sell, subject to policy terms.
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Can help cover costs relating to claims against your business’s directors, officers, employment practices or management decisions, subject to policy terms.
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Can help cover your business’s buildings, contents, stock and equipment against loss or damage, subject to policy terms.
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Can help cover portable business equipment such as tools and devices while being used or transported away from your premises, subject to policy terms.
Depending on your business and circumstances, additional covers such as business interruption insurance, cyber insurance or professional indemnity insurance may also be worth considering, subject to policy terms and eligibility.
A customer or visitor slipping, tripping or falling while on your business premises
A delivery driver or contractor sustaining an injury while attending your premises
Accidental damage caused to a client's property while carrying out work at their site
A member of the public injured by stock, signage or equipment left in a public area
Damage caused to a neighbouring property during the course of business operations
An incident occurring at an off-site location, such as a trade show or client event
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Generally, no. Public liability insurance is designed to cover third parties such as customers, clients or members of the public, not your own employees. Cover for your employees is usually arranged separately through workers compensation insurance, which is compulsory in most states.
Many public liability policies extend to incidents that occur away from your premises, such as at a client’s site or a public venue, where the claim arises from your business activities. Cover depends on your specific policy terms.
It depends on your business activities. If clients, customers or contractors visit your home, or you carry out work at other locations, public liability cover can still be relevant, subject to policy terms and eligibility.
The right level of cover depends on factors such as your industry, the size of your operations and any contractual requirements from clients, landlords or head contractors. A broker can help you assess an appropriate level of cover.
No. Public liability insurance and product liability insurance are generally separate covers, product liability relates specifically to claims caused by a product you manufacture, supply or sell. Many businesses hold both covers together, often combined in a single policy.
Tell us a bit about your business and one of our brokers will help you find the right level of cover.
Business Insurance
Cover options for claims relating to injury or property damage caused by a product you manufacture, supply or sell, subject to policy terms.
Business Insurance
Cover options for claims involving your business’s directors, officers, employment practices and certain corporate liabilities, subject to policy terms.
Business Insurance
Cover options for your business’s buildings, contents, stock and equipment, subject to policy terms.
Business Insurance
Cover options built around how sole traders operate, from public liability to tools and equipment.
