Public Liability Insurance NSW

Public Liability Insurance NSW
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Insurance for businesses in New South Wales

Many businesses in NSW will need public liability insurance in order to protect themselves.

Public liability can protect a huge range of business types from around NSW. Businesses needing cover range from sole trader cleaners through to large national companies.

Each business’s reasons for taking out public liability insurance can vary. Some will have mandatory requirements as part of their licensing, whilst for most it is simply a great way of protecting themselves.

What Does It Cover?

Public liability insurance is intended to protect NSW businesses and their owners from the costs of a claim involving property damage or personal injury which is suffered by another person.

If you or your business is found to be responsible for another person’s loss due to your own negligence, you can be liable for costs including replacement, repair, medical expenses, rehabilitation and other forms of financial compensation.

These costs can range anywhere from a few hundred dollars through to potentially millions. If the claim falls within the coverage of your policy, the costs can be covered by the insurer rather than coming out of your own profits or savings.

Who Needs It In NSW?

Many businesses will require public liability insurance, but there are different reasons why some need it in NSW.

A major user of this cover is the trades and construction industry. Many workers will require tradesman public liability insurance in order to enter certain worksites. Without the cover, they won’t be allowed on site.

Many cleaners will also require cover, especially if they perform work for real estate firms or in public places such as shopping centres or commercial offices.

As well as businesses, anyone working as a subcontractor in NSW should have public liability. In most cases you will not be covered by the company hiring your services, and you will therefore need your own cover.

Public Liability Quote

Getting a quote on your public liability insurance in NSW is easy. Most business types will be able to obtain a quote within 24 hours, although it could be longer for more complex businesses.

Quotes can be obtained in a variety of ways. If you already have a good insurance broker who knows the NSW market, they could be your best option.

If you don’t already have a broker that you are satisfied with, then the team here at will be able to assist.

We have access to a network of insurance professionals in NSW and around Australia who are experts in the public liability insurance field.

To obtain a quote on your insurance or to request further information, please complete our online public liability quote request and we will pass your details on to a suitable insurance broker or adviser.

Public liability insurance is a very effective way of protecting your business from certain risks in NSW and elsewhere in Australia, and it pays to seek advice from a suitably qualified professional on your insurance needs.

Frequently Asked Questions

In some respects public liability insurance is very straightforward, but once you scratch the surface it can actually be a very complex area with many potential complications.

As part of our quest to make this important form of insurance easier for Australian small business owners and operators to understand we are in the process of putting together a list of the most commonly asked questions.

Please keep in mind that this FAQ contains very generalised answers and should in no way be seen or used as a substitute for proper advice from a qualified insurance broker or adviser.

If you would like to add a question to the list please contact us.

Public liability insurance covers a range of risks, with the major ones being property damage and personal injuries caused to other people as a result of your business activities.

You can read more by visiting our ‘what is public liability insurance‘ page.