What is Public Liability Insurance?
Public liability insurance protects businesses and individuals against claims for injury or property damage caused to third parties during business activities. In Australia, this type of insurance is considered essential for most businesses, from trades and contractors to retailers and consultants. It ensures you are covered for compensation payouts and legal defence costs if an accident occurs.
What Does Public Liability Insurance Cover?
Typical features of public liability insurance Australia include:
Types of Public Liability Insurance in Australia
Standard Public Liability Cover
Provides cover for third-party injury or property damage claims. This is the core of most public liability policies and applies across a wide range of industries.
Product Liability Insurance
An extension that protects against claims related to products you manufacture, distribute, or sell. This is particularly important for businesses in retail, food, and manufacturing.
Trades & Contractors Public Liability
Tailored policies for builders, electricians, plumbers, and other trades. This form of public liability insurance Australia is designed to meet licensing and contract requirements.
Event Liability Insurance
Short-term liability cover for events, exhibitions, or functions where members of the public are present. Protects organisers from risks associated with gatherings.
Why Consider Public Liability Insurance?
Even with the best safety standards, accidents can happen. A single incident could result in expensive claims, legal costs, and damage to your business reputation. Public liability insurance Australia provides:
