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Business Liability Cover for Burswood

Public liability insurance for Burswood businesses. Safeguard against costly third-party personal injury and property damage claims. Get covered today.

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Understanding Your Cover – Burswood

Understanding Public Liability Insurance

Public liability insurance protects your business across Burswood when a supplier, visitor, or member of the public suffers property damage or bodily injury as a result of your day-to-day operations, whether at your Burswood premises, a job site, or a public location.

Without public liability cover, your Burswood business could be held financially responsible for legal defence costs, compensation payouts, and associated expenses that run into the hundreds of thousands of dollars. Businesses across Burswood also demand proof of cover before you can tender for work or operate legally.

Your public liability cover in Burswood can include:

  • Slips, trips and falls at your premises or worksite
  • Damage to a client’s property caused by you or your team
  • Bodily injury claims arising from your operations
  • Legal defence costs and court representation
  • Compensation payouts ordered by a court
  • Offsite incidents while working at client premises or public locations


Without public liability insurance for your Burswood business, your business may be personally liable for significant financial losses, putting everything you’ve built at risk.

$5M–$20M

Cover limits available

Multi-Insurer

Comparison access

Australia-Wide

Coverage provided

Policy Benefits

What’s Covered by Public Liability Insurance in Burswood?

Businesses in Burswood are typically covered for:

Man holding file reading Injury claims with broken hand - insurance

Third-Party Injury Claims

Should a customer, visitor, or member of the public be injured due to your business activities, public liability insurance steps in to cover compensation and legal defence expenses for businesses in Burswood. This protection applies whether the incident occurs at your Burswood workplace, a client’s premises, or anywhere else your business operates

Man standing in clients home with a burst pipe - property damage - third-party property insurance

Client Property Damage Cover

When property owned by a client or third party is accidentally damaged in the course of your operations, public liability insurance covers the financial cost of repairing or replacing that property for businesses based in Burswood. This cover ensures that businesses in Burswood are not left personally liable for costly property damage claims.

Legal Defence Costs

Defending a claim, even an unfounded one, can cost your Burswood business tens of thousands of dollars in legal fees alone. Public liability insurance covers the cost of legal representation, court appearances, and all associated expenses regardless of the outcome for businesses in Burswood. This ensures your Burswood business is never forced to settle a claim simply because you cannot afford to fight it.

Man repairing damaged electrical box with broken drill - offsite work coverage insurance - public liability

Offsite and Mobile Business Cover

Your public liability policy travels with you beyond your Burswood business address, providing protection wherever your work takes you. Offsite incidents are among the most common sources of public liability claims for businesses in Burswood, making this an essential component of any policy. Speak with our team to confirm your offsite activities are fully covered under your Burswood policy.

Man looking at broken products - faulty - products liability insurance

Products Liability (Optional Extension)

Products liability cover is designed for businesses in Burswood that produce, wholesale, retail, or supply goods, covering claims where a product causes injury or property damage. Standard public liability policies cover service related incidents, but a products liability extension specifically addresses claims connected to the goods your Burswood business sells or supplies. If your Burswood business touches physical goods in any capacity, this optional extension is well worth discussing with one of our advisers.

Types of Cover

Public Liability Policy Types for Burswood Businesses

Every business in Burswood carries a different level of risk. We’ll match your Burswood business with the right policy for your industry and activities.

General Public Liability Cover for Burswood Businesses

Broad third-party cover for injury and property damage designed for service-based businesses and professionals based in Burswood.

Product Liability Insurance in Burswood

Built for Burswood businesses that produce, distribute, or sell goods to consumers, covering injury or damage claims connected to goods sold through your Burswood business.

Trades & Contractors Liability Insurance in Burswood

Built for builders, electricians, plumbers, carpenters, and subcontractors operating in and around Burswood.

Short-Term Event Cover for Burswood

Short-term cover for exhibitions, trade shows, markets, festivals, and corporate events in Burswood. Arrange cover around your Burswood event schedule with flexible terms.

Is It Right for You?

Many contracts and licences in Australia require minimum cover amounts of $5M, $10M or $20M.

Who Needs Public Liability Insurance?

Electricians & Plumbers

Builders & Tradespeople

Retail Stores

Cafes & Restaurants

Consultants

Event Organisers

Market Stall Holders

Contractors

Landscapers

Cleaning Services

Many more

Why Insurance Me Advisory is Burswood’s Trusted Choice

  • Access to multiple Australian insurers for Burswood businesses
  • Cover personalised to the specific risks your Burswood business faces
  • Hands-on claims support when your Burswood business needs it most
  • Local advisers with knowledge of Burswood business needs

Get Covered, Public Liability Insurance for Burswood

Don’t leave your Burswood business exposed, get covered against unexpected claims and legal costs. Speak with one of our trusted advisers or complete our quick online form.

FAQs (Frequently Asked Questions)

No. Public liability insurance covers claims made by third parties for injury or property damage caused by business activities. Employee injuries are generally covered under workers compensation insurance, which is a separate and legally required policy in Australia.
The cost of public liability insurance for Burswood businesses varies depending on a number of factors. These include your industry type, annual turnover, number of employees, the nature of your work, and the level of cover you choose. Cover for Burswood sole traders and small businesses can be very affordable, with entry-level policies available from a few hundred dollars annually.

Public liability insurance is not legally mandatory for all businesses in Australia, but many commercial leases, client contracts, government tenders and industry licences require businesses to hold a minimum level of cover before operating. Even where it is not mandatory, it provides essential protection against costly third-party injury or property damage claims.

The level of public liability insurance required depends on your industry, risk exposure, turnover and contractual obligations. Most small businesses choose between 5 million, 10 million or 20 million dollars in cover. Higher-risk industries such as construction often require 20 million dollars, while lower-risk service providers may only require 5 million dollars.

The cost of public liability insurance for Burswood businesses varies depending on a number of factors. Key factors include what your Burswood business does, how many staff you employ, your revenue, and whether you work offsite. Many Burswood small businesses can access quality public liability cover starting from a few hundred dollars per year.

A quality public liability policy covers your Burswood business both on-site and off-site. Whether you are working at a client’s property, a job site, a public space, or anywhere else in or around Burswood, your public liability policy will generally extend to cover those activities. Speak with our team to confirm that your Burswood business activities, both on and off premises, are fully covered under your policy.

 If a third party makes a claim against your Burswood business, the first step is to notify your insurer as soon as possible. Burswood business owners should gather as much evidence as possible at the time of the incident, including witness statements, photographs, and a detailed record of events. Our team based in Western Australia supports Burswood businesses through every stage of the claims process so you are never left to deal with it alone.