PUBLIC LIABILITY INSURANCE AUSTRALIA
Public Liability
Insurance Australia.
Public liability insurance helps protect Australian businesses when a customer, visitor, contractor or member of the public alleges that your business activities caused personal injury or property damage.
- Third-party injury and property damage claims
- Legal defence costs and compensation where legally liable
- Options for products liability, contractors and trade businesses
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ABOUT PUBLIC LIABILITY INSURANCE
Protect Your Business from Third-Party Claims.
Work with Confidence.
Public liability insurance is designed to respond to claims from third parties who suffer injury or property damage connected with your business activities. It is important for builders, contractors, tradespeople, retailers, landlords, event operators, consultants and businesses that work at customer or public locations.
- Cover for business activities on-site and off-site
- Public and products liability options for eligible businesses
- Legal costs and claims support, subject to policy terms
- Advice on limits, contracts, occupations and exclusions
WHAT'S COVERED
Public Liability Cover for Australian Businesses
Third-Party Personal Injury
Cover may respond when a member of the public, customer, visitor or contractor suffers injury connected with your business activities.
Third-Party Property Damage
May cover accidental damage to someone else’s property arising from your work, operations or business premises.
Legal Defence Costs
A responding policy may assist with authorised legal costs and expenses involved in defending a covered claim.
Products Liability
If your business supplies, sells or installs products, products liability may address eligible injury or property damage claims after supply.
Contractors & Trades
Relevant for builders, subcontractors, electricians, plumbers, landscapers, cleaners and other businesses working on client sites.
Care, Custody & Control
Some policies can address damage to third-party property in your care, custody or control, subject to specific limits and exclusions.
WHY CHOOSE ABS
Public Liability Advice from ABS Insurance Brokers
Industry-Focused Advice
We understand the liability exposures faced by builders, contractors, trades and Australian businesses.
Tailored Cover Options
We help structure cover around your occupation, work locations, contracts and turnover.
Suitable Market Access
We compare available limits, excesses, conditions and products liability options.
Certificate Support
We help you understand the evidence of cover required by builders, landlords, councils and commercial clients.
Claims Assistance
Our team provides practical support when a third-party claim or incident arises.
Protect Your Business from Liability Claims
Speak with ABS Insurance Brokers about public liability insurance tailored to your business activities and contractual requirements.
PUBLIC LIABILITY INSURANCE FAQs
What is public liability insurance?
Public liability insurance helps protect a business against claims alleging that its activities caused personal injury or property damage to a third party. It may assist with authorised legal costs and compensation where the business is legally liable, subject to the policy wording.
Who needs public liability insurance?
It is relevant to builders, contractors, tradespeople, retailers, hospitality businesses, landlords, consultants, event operators, clubs and any business interacting with customers, visitors, suppliers or the public. Some contracts, landlords, councils and principal contractors require evidence of cover.
What does public liability insurance cover?
Depending on the policy, cover may include third-party injury, third-party property damage, legal defence costs, products liability, advertising injury and property in the care, custody or control of the insured. Inclusions vary between insurers.
What is not usually covered?
Public liability generally does not cover employee injuries, your own property or tools, professional advice errors, intentional acts, fines, some contractual liabilities, pollution or the cost of correcting faulty workmanship. Separate workers compensation, professional indemnity or asset cover may be relevant.
How much public liability cover does my business need?
The appropriate limit depends on your industry, activities, contracts, work locations and potential severity of a claim. Common limits include $5 million, $10 million and $20 million, but ABS can help assess the requirements relevant to your business.