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Public Liability Insurance for Australian Businesses

Public liability insurance helps protect your business if a third party is injured or their property is damaged as a result of your business operations. It is one of the most common and important types of insurance for Australian businesses.

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What is Public Liability Insurance?

Public liability insurance covers your legal liability if your business causes injury to another person or damage to someone else’s property.

This can include incidents involving customers, suppliers, visitors, or members of the public, whether they occur at your premises, a client site, or a public location.

Without public liability insurance, your business may be required to pay legal defence costs and compensation out of pocket.

Why it matters

Protects you from costly claims

Essential for everyday business operations

Safeguards your business reputation and finances

What is typically covered?

Comprehensive protection for the most common risks professionals face in their daily operations.

Third-Party Injury

Protects your business against claims arising from injury to others, such as slips, trips, or falls.

Property Damage

Covers damage to third-party property caused by your business activities.

Legal Defence Costs

Pays for legal fees and expenses associated with defending a covered claim.

Court Awards & Settlements

Covers compensation awarded by a court or agreed through settlement.

Food & Allergy-Related Claims

May cover certain food poisoning or allergic reaction claims for hospitality businesses.

What is generally not covered?

Like all insurance policies, Public liability has exclusions. It's important to understand what falls outside the policy.

Faulty workmanship or poor quality work
Professional advice or services
Employee injuries (covered by workers compensation)

Intentional or criminal acts
Known or undisclosed risks

Who Needs Public Liability Insurance?

Public liability insurance is commonly required or recommended for:

Tradies and contractors

Retail businesses

Cafés, restaurants, and bars

Property owners and landlords

Event organisers

Consultants and service providers

How Much Cover Do You Need?

The level of cover you require depends on your industry and business activities, contractual obligations, landlord or council requirements, and your overall risk exposure.

$5 Million

Standard Entry Level

Ideal for freelancers and small businesses with lower risk profiles or smaller contracts.

Insurance Solutions You Can trust

We bridge the gap between complex risk and simple protection. Your business deserves an advocate, not just a policy.

We Work for You

We act solely in your best interest, providing independent advice and advocating for fair outcomes when it matters most.

SME Specialists

Small businesses are our focus. We understand your growth stages and tailor insurance solutions that truly fit.

Expert Claims Support

You’re not alone. Our team provides hands-on guidance to navigate the process and achieve the best possible outcome.

Simple & Efficient

No jargon, no hidden surprises. We make insurance easy to understand and efficient, saving you time.

10K+

People Insured

12+

Years Experience

Trusted Partners

98%

Satisfaction Rating

Frequently Asked Questions

Commonly public liability, property, theft, and business interruption.aIt is not legally compulsory in all cases, but it is often required by landlords, councils, or contracts.

Generally no. It may cover resulting damage, depending on policy terms.

Employees are covered, but subcontractors usually need their own insurance.

Yes, if your activities are declared and within the policy scope.

Important Information GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.  

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. ‍ 

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au

Insurance Solutions You Can trust

Is public liability insurance compulsory?

Does public liability cover faulty workmanship?

Are subcontractors covered?

Does it cover incidents off-site?