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Coverage

When you might need
Public Liability Insurance

If your business does any of these

  • Deals or interacts with the public.
  • Rents or leases a premises.
  • Is responsible for the upkeep of a property.
  • Finds you working on a worksite.
  • Repairs and installations.
  • Has customers entering your premises.

Some possible scenarios include

  • Slips and trips that injure non-employees.
  • Damage to your leased property.
  • Unforeseen electrical faults damaging a tenant’s property.
  • A tradie from another business tripping on your tools.
  • You fall through a customer’s ceiling during an installation.
  • A customer is injured after an employee spills hot coffee.

Workers Compensation

Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.

Commercial Motor Vehicles

Product recalls

Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition

What isn’t covered 

  • Workers’ compensation.
  • Cyber incidents and cyber acts.
  • Commercial motor vehicles.
  • Professional Indemnity Insurance.
  • Product recalls.
  • Damage to your own property.

How Public Liability Insurance can help businesses like yours

What is Public Liability Insurance?

Public Liability insurance is cover that helps businesses take care of the associated costs if customers, suppliers, or members of the public are injured or sustain property damage as a result of that business’ activities.  It can help with compensation costs after accidents, slips, trips, and more.

Why is Public Liability Insurance important?

Small business owners have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.

What is Products Liability?

Products Liability insurance is designed for businesses who are involved in the production, supply or sale of products to members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business's product.

Business Insurance

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Public Liability Insurance

Frequently Asked Questions

Workers Compensation

Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.

Commercial Motor Vehicles

Product recalls

Includes recalls due to a suspected defect, deficiency, inadequacy or dangerous condition