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Liability Insurance For Australian Trades, Professionals & Businesses

Liability insurance helps Australian trades, professionals and businesses manage the financial risks of claims. Public liability concerns injury or property damage to others, while professional indemnity addresses claims arising from professional advice or services. Explore our liability insurance articles and insurance news to understand cover and business risks ... or connect with an insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.

  • Public Liability
  • Professional Indemnity
  • Third-Party Injury Claims
  • Property Damage Claims
  • Business Liability Risks
  • Cover Limits & Exclusions

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Business insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Public Liability Insurance

Public liability insurance (or simply public liability) is a type of liability insurance for individuals and businesses that can cover legal liability for property damage and bodily injury to others. It can also include cover for associated legal and professional costs in defending a claim, subject to policy terms, limits and exclusions.

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Public Liability Insurance Calculator

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Explore your public liability insurance needs with our Public Liability Insurance Calculator. Estimate potential cover amounts for your business and explore how different liability risks, business circumstances and coverage assumptions may influence the results.

Public Liability Insurance Calculator

Comprehensive Solutions

Simply complete our short online quote request form to discuss a range of competitive liability insurance options with a broker in our referral network across Australia. Depending on the broker and your requirements, options may include business liability insurance, employer liability insurance, directors and officers liability, product liability insurance, contractors liability insurance, trades liability insurance, property liability insurance, broadform liability insurance, landlords liability insurance, etc.

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Compare Rates & Options

Because Public Liability policies are different, a participating broker can help you compare features and benefits of available policies - not just price - so you can assess Public Liability protection that offers good value for your circumstances.

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Multiple Insurers

When you submit an online quote request with us, we refer your enquiry to a participating insurance broker from our national broker panel across Australia, who may then contact you with quotes or further information.


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Frequently Asked Questions

    The Great Aussie Liability Insurance Handbook: A Guide to Public Liability and Professional Indemnity for Self-Employed Business Owners

    The Great Aussie Liability Insurance Handbook: A Guide to Public Liability and Professional Indemnity for Self-Employed Business Owners image

    Liability insurance can be confusing, especially when you are trying to balance contract requirements, client expectations, cover limits, exclusions and cost. This practical Australian guide explains public liability, professional indemnity, product liability and broader business liability cover in plain English. Written for tradespeople, contractors, sole traders, consultants, professionals and small business owners, it walks through common risks, real-world scenarios, certificates of currency, excesses, exclusions and quote comparison essentials. By the end, readers will be better prepared to understand their options and ask more informed questions.

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    Business Insurance Articles

    Is Liability Insurance Mandatory in Australia?
    Is Liability Insurance Mandatory in Australia?
    Liability insurance is not automatically mandatory for every Australian business, but it can be required by law, licence conditions, contracts, leases, tenders, professional rules or event permits. This guide explains when cover may be compulsory and how to check your obligations. - read more
    Reducing Your Risks: Public Liability Coverage Tips for Trade Professionals
    Reducing Your Risks: Public Liability Coverage Tips for Trade Professionals
    For tradesmen and trade professionals, venturing into the world of business comes with its set of challenges and risks. Among the myriad of precautions to consider, one critical safeguard stands out for its ability to protect both the tradesperson and their clients: Public Liability Insurance. This form of coverage is not just a safety net; it is a cornerstone of a responsible business practice within the trade industry. - read more
    Types of Liability Insurance in Australia: Public Liability, Professional Indemnity and Product Liability Explained
    Types of Liability Insurance in Australia: Public Liability, Professional Indemnity and Product Liability Explained
    Liability insurance can cover different business risks depending on whether a claim involves third-party injury, property damage, professional advice or products supplied. This guide explains the main types of liability insurance in Australia and how they differ. - read more
    Key Benefits of Comparing Public Liability Insurance Rates for Australian Businesses
    Key Benefits of Comparing Public Liability Insurance Rates for Australian Businesses
    As an Australian business owner, you face numerous financial risks daily. Accidents can happen at any time, whether it's a slip and fall on your premises or damage caused by your products or services. These incidents can lead to costly legal actions that may put significant strain on your business finances. - read more
    Understanding the Role of Public Liability Insurance in Business Disaster Planning
    Understanding the Role of Public Liability Insurance in Business Disaster Planning
    For Australian business owners, planning for unforeseen disasters is not just prudent; it's an essential aspect of sustaining operations amidst challenges. Recognizing the importance of comprehensive strategies, including robust insurance cover, can make all the difference in business longevity and legal protection. As we navigate the complexities of running a business, it's imperative to have a safeguard against mishaps that could otherwise jeopardize our hard-earned success. - read more

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