Online Quote

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Public Liability Insurance Online Quote

We understand that there is more to business insurance than just public liability.

Our system allows you to request quotes on a range of policies including public liability, professional indemnity, income protection and all other forms of business insurance.

Instead of having to complete multiple forms for each different type of insurance, we can provide you with quotes on a range of cover types using our simple online form.

Public Liability Insurance for business owners

Your decision to seek out public liability insurance is a wise business and financial decision. Public liability insurance will protect you and your business – and your hard-earned livelihood – from debilitating legal consequences. It will allow you to maintain a sustainable and protected business environment, without the potential for losses due to third party claims against your enterprise.

If you own a small to medium sized business, having public liability insurance could even mean the difference between staying open or closing, in the event of a claim against your business. So it’s worth taking the time to understand your risks and how to minimise them.

Public Liability Insurance’s brokers have extensive knowledge, not just of the insurance industry but also of the unique requirements of key sectors such as trades, security, hospitality and entertainment. We’ll apply this knowledge to your business and tailor an affordable insurance policy that’s just right for your business.

small business insurance Australia
Does your business interact with the public?
What does public liability insurance cover me for?
How much public liability insurance do I need?
What am I not covered for?
Exceptions

Does your business interact with the public?

Whether you run a business with customers visiting your site, or do small jobs on other people’s property, your interactions with a third party creates a risk.

Business owners have a duty of care to any third party who comes into contact with their business and its activities. A third party can include customers, contractors, and other members of the community. The legal obligation you have in business is to take reasonable action to avoid third party injury, death, loss, and property damage.

What does public liability insurance cover me for?

Most business owners are exposed to a level of risk, simply in the course of operating their business. Public liability insurance will give you peace of mind that your legal defences and compensation costs are covered if your business is brought to court by a client, a customer, or member of the public.

Our Product Disclosure Statement provides detailed information about exactly what you are covered for under this type of policy.

Given the extreme financial impacts that a legal claim can pose both to your businesses reputation and to the hip pocket, public liability insurance gives you, as a business owner, peace of mind that you can continue to build your business and support your employees and family – the reason you are in business.

How much public liability insurance do I need?

The type of business you operate will determine how much cover you need. Public Liability Insurance’s brokers will take time in getting to know your business and the level of risk you may be exposed to. We’ll also consider the industry your business operates in.

If you run a home-based business and don’t interact with the public, you’ll probably need a lower amount of public liability protection. However, if your chances of being sued are higher, you should probably buy more cover for your business.

What am I not covered for?

It’s important to understand that public liability insurance will only cover you for claims made against you by third parties. It won’t cover you for damage to property owned by you, such as damage to your car or premises, tools or equipment; contractual liability; professional advice; faulty workmanship; asbestos; fines and penalties; employer’s liability. It also won’t cover you if you’re sued by an employee.

However, we offer a range of insurance products that can protect you against these risks. Take a few minutes to complete our online insurance quote form or call 1300 542 245. to discuss your public liability or other insurance requirements with our brokers.

Exceptions

Please note that in some cases the information we obtain online may not be sufficient to provide you with an accurate quote.

In this case an insurance adviser will contact you via phone or email to request any additional information which is required.

Public liability insurance is more expensive in Australia than other countries due to the high rates of litigation in this country. In most cases places like New South Wales and Victoria are even more litigious than the majority of states in the USA. Publicliabilityinsurance.com.au deals with most of Australia’s top insurers to ensure we get you competitive pricing on your Public liability insurance and to make sure the covers meet the highest standards possible, so you can buy with confidence that if and when you have to make a claim, the policy will be there in your time of need to pay out.

You may wonder how do you get a public liability insurance quote, the simple answer is you provide your information and then we take it to the market to find you the best price with the right provider. After we have all of the information we than come back to you with the information we have sourced. Usually we come back to you with the cheapest price we can find, but with some high risk and hard to place occupations the cheapest option may not be the best option to cover you and your business, so we will look at all of the things that may affect you to make sure you have superior coverage.

Small business public liability insurance is where we focus most of our efforts, as we enjoy helping small businesses out and enjoy seeing them grow as the years go on and making sure that we meet your ongoing requirements as your business grows. As your small business insurance requirements change we can meet them with insurance products other than just the regular public liability insurance. We have access to all of the product that a regular Insurance Broker has access to, so you can rest assured that we can stay with you the whole way of your business journey.

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