Public Liability Insurance
Protection for third-party death, injury and property damage
If a visitor, customer or member of the public is hurt — or their property damaged — because of your business, public liability cover is there to meet the financial risk. Coverage levels typically range from $5 million to $30 million.
What is public liability insurance?
Public liability insurance provides financial protection when a third party — a member of the public or another business you work with — suffers death, bodily injury or property damage. For example: a visitor slipping on a wet floor, a visitor tripping over loose carpet in reception, or a plumber damaging a pipe that causes property damage and business interruption.
How we arrange it
Tell us what you do and we'll match a policy to your work.
Broad occupation cover
We arrange public liability across a wide range of occupations, with common limits of $5 million, $10 million and $20 million.
Flexible payments
Monthly payment options can help smooth the cost. See premium funding →
How a public liability policy protects you
A liability policy usually has two limits — one for public liability and one for products liability — and they're typically the same, for example $20 million each. Products liability covers injury or damage caused by a product you supply; public liability covers injury or damage caused to a member of the public.
Personal injury cover includes
- Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
- False arrest, wrongful detention or imprisonment, and malicious prosecution
- Wrongful eviction
- Assault or battery (unless excluded)
- Libel, slander, defamation of character or invasion of privacy, occurring during the period of insurance
Property damage cover includes
- Physical loss of, or physical destruction of, tangible property
- Loss of use of tangible property that cannot be used because of physical damage to other property during the period of insurance
Exclusions vary by insurer — your policy schedule will specify them.
Related cover
Already insured with us? Lodge a claim →
Cover for your public liability needs
Tell us what your business does and we'll recommend a limit that fits — from $5 million to $30 million.
General advice only. Consider the relevant PDS & TMD before acquiring any product.