Public Liability Insurance

In Australia, business owners have a duty of care to take reasonable steps for the safety of any third party that comes in contact with their business. Keep reading to learn more about Public Liability Insurance.
Barista making coffee in an Australian café
*iSelect’s partnered with BizCover Pty Ltd to compare a range of small business insurers and policies in the market. Not all policies are available at all times or in all areas. Our advice on this website is general in nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it. Learn more.

Written by

Find out more about how we make money.

View our Privacy Policy.

Find out more about how we make money.

View our Privacy Policy.

Compare business insurance the easy way

We've partnered with BizCover to help you compare business insurance policies.*

What is Public Liability Insurance?

Public Liability insurance^ can help cover legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.

Who can bring a liability claim?

A public liability claim could be brought against you for: Injury or death of a third party as a result of your negligent business activities, or damage to a third party's property as a result of your negligent business activities.

What does Public Liability Insurance typically cover?

Legal costs

That might arise from the defense or settlement of a claim.

Loss or damage to property

Including covering the loss or damage of a third party's property that was in your control or while you were performing your service. As well as loss or damage of goods in your care.

Cover for employees

Who may have been involved in the incident or who were acting on your behalf and against whom a claim is made.

Injuries on your premises

For example, if a third party falls over while visiting your business, you’re covered. First aid costs can also be included.

Public Liability Insurance explained, with iSelect.

Learn more about how Public Liability cover works in this short video.

Your Public Liability Insurance questions, answered

What doesn’t it typically cover?

Are my employees covered by Public Liability insurance?

What factors could affect my premium?

What kinds of businesses is Public Liability cover relevant for?

What businesses could be exposed to a Public Liability claim?

Should I get Public Liability insurance?

What’s the difference between Public Liability and Professional Indemnity?