Public Liability
Insurance
Whether you’re running a small business, contracting on-site or hosting clients at your premises, public liability incidents can occur unexpectedly. Injuries, property damage or legal claims arising from your operations may result in financial consequences, even when unintentional. At Insuregroup, we support business owners, sole traders and professionals across Australia in reviewing public liability insurance options that may align with their activities, location and exposure to third-party risks.
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What is Public Liability Insurance?
Public liability insurance is a type of business insurance that may help protect against claims from third parties for personal injury or property damage arising from your business operations.
This form of cover is often arranged by businesses that interact with clients or the public in person, including trades, retail, hospitality, health services and property maintenance. At Insuregroup, we help you explore public liability insurance options based on your business structure and operational needs.
Do you need Public Liability Insurance?
If your work involves physical interaction with the public, customers or client property, public liability insurance is an important consideration. Even seemingly minor incidents, such as someone slipping on your premises or accidental damage to a client’s belongings, may lead to liability claims or costs.
In many industries, particularly in Queensland, public liability insurance is required to meet licensing or council requirements. We can support you to explore public liability insurance options in QLD and across Australia and understand the obligations relevant to your business.
Why Insuregroup?
Flexible payment options may be available to help manage ongoing business expenses while maintaining cover.
EXPERT ADVICE
Our team helps you understand public liability insurance requirements based on your industry, location and operational risks.
QUICK QUOTES
We provide easy access to public liability insurance quotes online or by phone, with no obligation to proceed.
RANGE OF OPTIONS
We work with a wide panel of Australian insurers to identify and compare public liability insurance options based on your business activities.
Google Reviews
Stirling Sanderson, Managing Director of InsureGroup, helped me sort out my Certificate of Currency ( Insurance) to include flood cover for my Strata/Sectional Title property in an extremely efficient and prompt manner. I can highly recommend him. Thank you, Stirling. Wendy Morley
April 8, 2025
Stirling made insuring our truck such an easy and quick process. He’s very responsive with any questions we had – highly recommend!
April 8, 2025
When my previous insurer decided to stop insuring commercial delivery pantechs for local deliveries and discovering several other companies also backed away from this type of industry, Sterling found the coverage I needed for peace of mind and to keep the wheels turning promptly and efficiently.
April 8, 2025
Stirling was great for helping me find commercial truck insurance. He was prompt at responding and sorted everything out same day.
April 8, 2025
Examples of Public Liability Risks That May Be Insurable
As experienced brokers, we assist businesses and contractors across Australia in reviewing cover options that may suit their day-to-day operations and interaction with the public.
Some scenarios that may result in claims include:
Trip hazards on-site
Such as a customer tripping over loose cabling at a retail location resulting in injury.
Accidental property damage
Including breakage of a client’s item during a home service or equipment installation.
Event-related injuries
Such as a guest being injured by unsecured furniture at a market stall or public event.
On-site operational risks
Including damage to nearby property caused by construction tools or mobile plant.
Visitor incidents
Such as a courier slipping on a wet entryway while delivering to your premises.
Whether you’re operating in QLD, NSW, VIC or elsewhere in Australia, we help businesses review public liability insurance options aligned with their location, size and industry.
Through our membership with the Steadfast Insurance Group, we can access a wide panel of insurers and policy types to support a broad range of occupations and business activities.
What does Public Liability Insurance cover?
While specific features differ between insurers, public liability insurance may help manage the financial impact of third-party claims linked to your business activities.
Depending on the policy, cover may include:
Injury to members of the public caused by your business activities
Accidental damage to third-party property
Legal defence costs and representation
Compensation awarded to third parties due to insured events
Incidents at your place of business or client sites
Liability claims related to your products or services
Cover inclusions depend on the insurer and policy selected. Our team can assist in comparing policies that may suit your business activities and interaction with the public.
What does Public Liability Insurance not cover?
It’s important to be aware that public liability insurance has specific exclusions and policies vary between insurers.
Exclusions often apply in situations such as:
Known claims or circumstances not disclosed at the time of application
Fraudulent, dishonest or intentional acts
Contractual liabilities beyond common law
Insolvency or trading risk losses
Employee injury or workers compensation claims
Injury to the policyholder or damage to their own property
Always review the Product Disclosure Statement (PDS) and policy schedule. Our brokers can help you understand the details and how the wording applies to your circumstances.
Online Insurance Quote
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The Insuregroup insurance process – insurance solutions on demand.
In order to meet the demand for fast, simple, and convenient insurance solutions Australia-wide, we’ve developed an insurance process capable of providing you with all the information you need – including an insurance quote within 24 hours. To achieve this, we offer a simple and user-friendly online quote form that requires a few simple details to generate the most competitive and applicable quote in the market.
To provide you with the solution you need within such a short timeframe, we have implemented a short and highly effective system, which is outlined below:
1. Provide us with your business information for your asset(s)
Simply provide us with your business information online and we’ll take care of the rest to find you the most competitive insurance quote.
2. We will locate the most competitive and applicable insurance quotes
We’ll scour the insurance market to locate the most competitive and applicable quotes from a vast network of insurers. This will typically take no more than 24 hours.
3. We will present you with the best available quotes
We process the best of the available quotes and draft an email with the relevant details.
4. Detailed email
You receive the email detailing the most competitive insurance quote available.
5. Finalise contract & accept quote
From this point, all that is required to finalise the contract is acceptance and payment via email or telephone – the entire process can be streamlined to a mere 24 hours.
Our process allows us to provide you with the best insurance solutions for your asset(s) in the shortest time possible
Frequently Asked Questions
How much does public liability insurance cost?
The cost of public liability insurance depends on several factors, including your business size, industry, location, claims history and the level of cover required. For example, a sole trader operating a low-risk service business may pay less than a contractor working in high-risk environments. To obtain an accurate idea of pricing, we recommend requesting a quote based on your specific business activities.
Do I have to have public liability insurance in Australia?
Public liability insurance is not legally required for every business, but it is often essential to meet council, venue or licensing conditions, particularly in industries such as construction, trades, events or health services.
In Queensland and other states, certain occupations may need public liability insurance to meet local compliance or regulatory requirements. Our team can help you check what’s required for your business and location.
How much cover do I need?
There is no one-size-fits-all answer, as the appropriate level of cover depends on your risk exposure, contract requirements and the nature of your interactions with the public. We can help assess your exposure and review options that reflect your obligations and activities.
How can I get a quote for public liability insurance?
You can request an obligation-free public liability insurance quote online or by calling our team. We’ll ask for information such as your business type, location, service areas, estimated turnover and any previous claims. From there, we can review available options from a wide range of Australian insurers and provide a quote that reflects your situation.
How long does the process take?
We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.