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Key takeaways
Public liability insurance can protect you if your business harms anyone or their property.
Public liability insurance can cover compensation costs, legal fees, medical costs and more.
Depending on your line of work, public liability insurance may be mandatory to operate.
What is public liability insurance?
Public liability insurance is a type of cover that protects you if your business becomes legally liable if someone is injured or their property is damaged.
It refers to damages from the physical surroundings and physical property rather than damages from services you provide. For example, it will cover you if someone slips and falls on your property, but not if you splash bleach into their eye while dyeing their hair.
What does public liability insurance cover?
Legal liability. Public liability insurance provides cover when a court finds that you are legally responsible to pay damages and additional costs for: damage to someone else's property, personal injury to someone else, and advertising liability
Legal costs. If a legal liability claim is made against you, your public liability policy will cover the costs incurred in your legal defence.
Cover for other people. Public liability will not only include you but any director, business partner, executive officer, shareholder or employee.
Cover for other activities. Many policies will allow you to extend cover beyond your normal business activities to include the provision of sports and child care facilities, first aid and ambulance services, and the provision of food and beverages to employees and visitors.
Products liability. Some policies will also include products liability cover for injury or damage caused by your products.
Damage to goods in possession or legal control. Provides cover for physical damage to goods that are not owned by the insured but are in their possession or legal control.
First aid expenses. Provides cover for expenses incurred by the insured for first aid given to other parties at the time of an injury.
According to APRA's latest report (2021), there were a total of 26,583 public liability claims. This is the lowest amount of claims in 13 years.
Who needs public liability insurance?
Essentially, anyone who owns a business and interacts with the public should consider public liability insurance. It's designed to protect you from the costs arising from any injury to a person or damage to someone's property that happens within your place of business.
In some industries and for certain government contracts, public liability insurance will be mandatory.
Keep in mind, public liability insurance is different to professional indemnity insurance. If you harm someone via the services you offer, public liability wouldn't cover you - but professional indemnity insurance would.
What affects the cost of public liability insurance?
What your business does. Some businesses simply attract more risk than others. For example, the risk of injury or damage on a construction site will be higher than that of a retail store. Insurers will analyse what you do, compare this to past claims in that industry and factor this into your premium.
How big your business is. The larger the business, the higher the risk of injury or damage.
Your business location. You can expect a higher premium if your business is in a high-risk location, such as an airport, construction site, railway station or mine site.
The structure of your policy. You can affect the price of your policy by choosing a higher or lower excess or higher or lower benefit limits.
Expert insight
"Insurance policies can be difficult to understand especially when you're trying to get adequate cover and the 'best bang for your buck', so I suggest business owners consult an insurance expert each year to have their insurance needs assessed. A good broker takes time to understand your business and will provide you with recommendations that work for your business. Plus, in most cases, there's no direct fees involved for your business."
Negligence in your service. This is covered by professional indemnity insurance (e.g. cover if you incorrectly install a kitchen sink).
Injuries to your employees. This is covered by workers compensation (e.g cover for injuries, illnesses in the workplace).
Your policy will have a list of exclusions listed in the product disclosure statement, be sure to read this to understand what you are and are not covered for.
Public liability insurance premiums are considered a business expense and are therefore tax deductible. Each year you'll get a tax invoice from either your insurer or your broker, depending on who sold you the policy.
It depends on the state. You should check with your state insurance commission whether your business should have mandatory public liability insurance. However, employers' liability insurance is required by many states.
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To make sure you get accurate and helpful information, this guide has been reviewed by Justine Mclean, a member of Finder's Editorial Review Board.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 619 Finder guides across topics including:
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
How much would it cost for Public Liability cover for the amount of 5 million
Finder
RichardJuly 19, 2016Finder
Hi Bill,
Thanks for your question.
To speak with an advisor about getting a quote, please complete the quote form above and a broker will be in touch with your personalised quote.
All the best,
Richard
RICKMay 24, 2016
Need quote on 10 million public liability insurance.
Finder
RichardMay 24, 2016Finder
Hi Rick,
Thanks for your question. To speak with an advisor about getting a quote, please complete the contact form above.
I hope this was helpful,
Richard
NickJune 21, 2015
My band of 5 members are willing to play for no cost at a yearly street parade as a once off event but require 10k of public liability insurance. How much is it for a once off event
Finder
RichardJune 22, 2015Finder
Hi Nick,
Thanks for your inquiry.
If you would like to get a quote from the providers in our panel, please enter your details into the public liability insurance form to speak with one of our brokers about the options available to you.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
arnoldMarch 27, 2015
I am a part time mobile disco DJ that provides Lights and sounds to events. Yearly income would only be around $1500-$2000. I can’t seem to find a insurance for DJ’s so I am not sure what the cost is. Some venues requires public liability insurance and most don’t.
Since DJ work is mostly on and off, can I get insurance per event ie if venue requires it. like when you getting a travel insurance when you are only insured for a limited period of time. Also, do you need to have an ABN number to get insured??
Thanks
Finder
RichardMarch 30, 2015Finder
Hi Arnold,
Thanks for your question.
If you would like to speak with one of our brokers about the options available to you, please enter your details into the public liability insurance contact form.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
govindFebruary 5, 2015
please could you advise how to go about having a public liability and also covering product worth about $ 7000
will be stored in a locked at a farming expo for 3 x days (nights)
And costs if you could
Finder
WilliamFebruary 5, 2015Finder
Hi Govind,
Thank you for your inquiry.
If you would like to receive a quote on public and product liability cover, you can enter your details on the form on the business insurance page. An insurance consultant will be in touch to discuss different options and provide you with a quote.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
In order to find the right level of public liability cover assess the risks your business faces to determine just how much cover you need. Compare the benefits, limits and exclusions of a number of policies, while it’s also a good idea to obtain multiple quotes from competing insurers.
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How much would it cost for Public Liability cover for the amount of 5 million
Hi Bill,
Thanks for your question.
To speak with an advisor about getting a quote, please complete the quote form above and a broker will be in touch with your personalised quote.
All the best,
Richard
Need quote on 10 million public liability insurance.
Hi Rick,
Thanks for your question. To speak with an advisor about getting a quote, please complete the contact form above.
I hope this was helpful,
Richard
My band of 5 members are willing to play for no cost at a yearly street parade as a once off event but require 10k of public liability insurance. How much is it for a once off event
Hi Nick,
Thanks for your inquiry.
If you would like to get a quote from the providers in our panel, please enter your details into the public liability insurance form to speak with one of our brokers about the options available to you.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
I am a part time mobile disco DJ that provides Lights and sounds to events. Yearly income would only be around $1500-$2000. I can’t seem to find a insurance for DJ’s so I am not sure what the cost is. Some venues requires public liability insurance and most don’t.
Since DJ work is mostly on and off, can I get insurance per event ie if venue requires it. like when you getting a travel insurance when you are only insured for a limited period of time. Also, do you need to have an ABN number to get insured??
Thanks
Hi Arnold,
Thanks for your question.
If you would like to speak with one of our brokers about the options available to you, please enter your details into the public liability insurance contact form.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
please could you advise how to go about having a public liability and also covering product worth about $ 7000
will be stored in a locked at a farming expo for 3 x days (nights)
And costs if you could
Hi Govind,
Thank you for your inquiry.
If you would like to receive a quote on public and product liability cover, you can enter your details on the form on the business insurance page. An insurance consultant will be in touch to discuss different options and provide you with a quote.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Regards,
William