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Public Liability Insurance For Businesses
Protect your business from unexpected claims of injury or property damage with reliable public liability coverage.
Protect Your Business with Public & Product Liability Cover
If your business deals with the public, accidents are often unavoidable. When they do, the financial fallout can be severe. Whether a customer slips on your premises or a contractor accidentally causes property damage, a single claim can lead to legal action and costly compensation.
That’s why having public liability insurance is essential. At CGIB, our expert cover protects businesses all across Australia, with tailored public liability insurance policies built to safeguard against legal claims and financial risk. Here, you can operate with confidence, and we do everything else.
Please refer to the Insurer’s Product Disclosure Statement (PDS) or Policy Wording when deciding if this product is right for you
What Is Public Liability Insurance?
Public liability cover is a business insurance that covers you against claims made by third parties for injuries or property damage that occur as a result of your business activities. It gives you additional peace of mind by covering legal defence costs and compensation payouts—costs that could otherwise spell disaster for your business.
Understanding Public Liability Insurance
Product liability insurance protects your business against claims resulting from injury or damage caused by the products you sell or supply. This includes defects in manufacturing, It’s usually popular with product manufacturers or wholesalers, retailers or eCommerce sellers, builders and takeaway food outlets, as well as any importers and distributors of physical goods.
Even if you didn’t create the product, you could still be held liable if your business supplied it. With this type of insurance, you’re able to manage the risks tied to consumer safety, product recalls, and legal claims.
Begin Your Quote NowPolicy Details At A Glance
- Legal defence costs for injury or property damage claims
- Compensation for medical bills, repairs, or replacement costs
- Incidents that happen on your premises or due to your services
- Liability arising from employees or contractors acting on your behalf
- Optional extensions for high-risk activities or public events
If you run a business that interacts with clients, customers, or the public, the chances are you will need public liability insurance. Common industries include:
- Retailers, cafés, and restaurants: Protect your business from slips, trips, or accidents that can happen in busy customer-facing environments.
- Builders and contractors: Stay covered on-site with protection against third-party injuries or damage caused during construction or trade work.
- Event planners and organisers: Make sure you’re safeguarded from liability if a guest is injured or property is damaged at an event you manage.
- Fitness instructors and personal trainers: Minimise your risk with cover for injuries or accidents that may occur during sessions or classes.
- Consultants and professional service providers: Defend your business from claims linked to client visits or property damage during service delivery.
What Makes Public Liability Insurance Essential
Even the smallest of accidents can lead to major consequences. If someone is injured or suffers damage to their property as a result of your business, the legal and financial responsibilities could lie with you.
Take this example: A client visits a beauty salon and suffers a wrist injury from slipping on a recently mopped floor. The salon is sued for medical expenses and lost wages. Thanks to their public liability insurance, the legal fees and compensation were fully covered, meaning unwanted financial strain and reputational damage is avoided.
Why We’re the Trusted Professionals for Public and Product Liability Insurance
- Insurance made for you: Customise your public liability insurance and product liability solutions, because no two businesses are the same, and neither should their coverage.
- Affordable, flexible coverage: We work with Australia’s top insurers with pricing that’s always competitive, alongside fully flexible payment options that support your business’s cash flow.
- Expert guidance, start to finish: From quote to claim, our experienced team helps you understand your coverage, stay compliant, and make confident insurance decisions.
- Quick, easy claims: If something goes wrong, we’ll guide you through the claims process in no time at all, keeping downtime to a minimum so you can get back on track fast.
Don’t Let a Claim Ruin Your Business
Whether you’re a sole trader or a large operation, public liability insurance is a critical part of protecting your people, your premises, and your peace of mind.
Get a public liability insurance quote online today, or speak with our team for expert guidance and personalised cover that fits your needs. The longer you wait, the longer you’re at risk.
Need wider protection? Explore our full range of cover that includes building designers insurance, as well as comprehensive builders’ insurance products and professionals insurance products.
Frequently Asked Questions
What is public liability insurance?
It’s a policy that protects businesses from legal claims made by third parties for injury or property damage caused by your business operations.
Who needs public liability insurance?
Any business that deals with customers, clients, or members of the public—including trades, retail, events, and professional services.
Is public liability insurance mandatory in Australia?
It’s not legally required for every business, but some contracts and industries make it compulsory. Regardless, it’s strongly recommended.
What does public liability insurance cover?
It covers legal costs, court fees, and compensation if a third party is injured or their property is damaged due to your business activities.
What is product liability insurance?
This protects businesses that manufacture, sell, or supply goods from claims arising due to defects or damage caused by those products.
Who needs product liability insurance?
Retailers, wholesalers, and manufacturers—anyone who sells physical products—should consider product liability insurance essential.
How do I get a public liability insurance quote?
Getting public liability insurance works in the same way as our mobile plant insurance or any of our other policies. You can request a free, no-obligation public liability insurance quote online through CGIB or speak with one of our insurance specialists for tailored advice.
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