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.
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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 may respond when a member of the public, customer, visitor or contractor suffers injury connected with your business activities.
May cover accidental damage to someone else’s property arising from your work, operations or business premises.
A responding policy may assist with authorised legal costs and expenses involved in defending a covered claim.
If your business supplies, sells or installs products, products liability may address eligible injury or property damage claims after supply.
Relevant for builders, subcontractors, electricians, plumbers, landscapers, cleaners and other businesses working on client sites.
Some policies can address damage to third-party property in your care, custody or control, subject to specific limits and exclusions.
We understand the liability exposures faced by builders, contractors, trades and Australian businesses.
We help structure cover around your occupation, work locations, contracts and turnover.
We compare available limits, excesses, conditions and products liability options.
We help you understand the evidence of cover required by builders, landlords, councils and commercial clients.
Our team provides practical support when a third-party claim or incident arises.
Speak with ABS Insurance Brokers about public liability insurance tailored to your business activities and contractual requirements.
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.
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.
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.
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.
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.
