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What is public liability insurance?


Public liability insurance is considered a must-have for many business owners. It protects you if someone sues you for personal injury, death, damage to their property, or advertising injury. If you don't have public liability insurance, the resulting compensation payouts and legal costs can potentially cripple your business.

As a small business owner, you want to win friends and influence people. You don't intend or expect to injure someone or damage their property in the course of doing business. However, even a simple event can trigger a public liability case against your business. If you’re a motor mechanic, for example, public liability insurance can provide protection if:

  • A customer trips over a tool on the workshop floor and fractures their wrist.

  • A bicycle courier slips on a patch of oil and sprains their ankle.

  • An employee damages the paintwork on a customer’s car with a tool trolley.

Disclaimer: Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.

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