Public Liability Insurance For Businesses

Protect your business from unexpected claims of injury or property damage with reliable public liability coverage.

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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.

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Policy 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.
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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

It’s a policy that protects businesses from legal claims made by third parties for injury or property damage caused by your business operations.

Any business that deals with customers, clients, or members of the public—including trades, retail, events, and professional services.

It’s not legally required for every business, but some contracts and industries make it compulsory. Regardless, it’s strongly recommended.

It covers legal costs, court fees, and compensation if a third party is injured or their property is damaged due to your business activities.

This protects businesses that manufacture, sell, or supply goods from claims arising due to defects or damage caused by those products.

Retailers, wholesalers, and manufacturers—anyone who sells physical products—should consider product liability insurance essential.

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.

Hear Directly from Our Clients

Don’t take our word for it, see what other business owners and clients have to say.

Michael Chadwick
Lisa and the team at CGIB have been fantastic, found me a competitive insurance policy for my Tractor. The service and offering was superior to other major competitors, where you feel important as a valued customer. Thank you CGIB team!
Scott Clarke
I have been dealing with CGIB and Caroline in particular for a very long time now, and I cannot recommend them highly enough. Their service is always extremely helpful, proactive, and prompt. It is rare to find this level of consistent reliability over the long term.
Thank you, Caroline, and everyone at CGIB.
Julie Mayer
Sarah is very helpful and knowledgeable. My experience was made very easy and stressless. We have been with CGIB for many years and would highly recommend them
Robert Noakes
I have been found Caroline from CGIB has been highly professional and responsive for all my PI needs especially when amendments are required. I have recommended Caroline and CGIB to many consultants in my network.

During the last twelve months I have had to contact Caroline about my policy and all enquires were resolved promptly and respectfully.
John kelada
CGIB are excellent commercial insurance brokers, Caroline and the team are always at hand with the our first year insurance and renewal with great pricing and handling claims.
Frank De Lorenzi
Very professional Insurance Brokers. Great service and timely response.
Friedrich Roslyn
Our company has been working with Caroline Cori for many years and it has always been a pleasure. Thank you Caroline for all your help.
Kind Regards
Ros Friedrich
Denise Noztech
I have had PI insurance through CGIB for many years. Caroline has always looked after me and no question was left unanswered. Very quick turnaround each year which was easy and painless. Never felt the need to look elsewhere. Thanks for looking after me for over 20 years
cgal family
Honestly, Aleisha was an absolute lifesaver. I needed to get an urgent $20M public liability policy sorted for our self-managed Owners Corporation so my lawyer could finalize a Section 32 for a property sale. Strata paperwork is usually a total nightmare, but Aleisha made it so easy and stress-free. She actually listened, worked fast, and got it done properly. Can’t recommend her enough!
Andrew Lim
Sarah Liakopoulos at CGIB has been a pleasure to deal with while setting up insurance for my new business. She arranged single transit marine cover for our first import shipment. When I needed public and products liability ahead of our launch, she had a quote to me the next morning and bound the policy the same day. Clear, prompt and easy to work with. Thanks also to Emma for stepping in while Sarah was away. Highly recommended.

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Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.

What is Public Liability Insurance in Australia?

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