Public Liability Insurance
Protection against third-party injury and property damage claims.
In short
Public Liability Insurance protects your business from legal and compensation costs if a third party is injured or their property is damaged because of your business activities. It is essential for tradespeople, contractors, consultants and any business dealing with the public. Kasana Insurance Brokers arranges cover that satisfies client and site requirements.
Public Liability Insurance
Public Liability Insurance is essential for businesses that regularly interact with clients, suppliers, or members of the public. Accidents can happen at any time, and even a single claim for injury or property damage can result in significant financial loss.
This cover helps protect your business from unexpected legal and compensation costs that could otherwise threaten its survival.
01Personal Injury Claims
Compensation claims for injury to third parties arising from your business activities.
02Property Damage Claims
Compensation for damage to third-party property caused by your business.
03Legal Defence Costs
Legal defence and court costs associated with insured claims.
Businesses That Commonly Require Public Liability Insurance
- Trades & contractors
- Professionals & consultants
- Wholesalers & distributors
- Manufacturers
- Travel & tourism operators
- Office-based businesses
What Is Typically Covered
Public Liability Insurance generally provides protection for:
- Compensation claims for personal injury to third parties
- Compensation for damage to third-party property caused by your business activities
- Legal defence and court costs associated with insured claims
- Damage to property that is under your care, custody, or control
What Is Typically Not Covered
Public Liability Insurance usually does not cover:
- Injuries to employees
- Damage to your own business property
- Costs to fix faulty workmanship or product recalls
- Professional negligence or advice-related claims
- Contractual liabilities beyond common law
- Incidents occurring outside the policy period
- Aircraft-related products
- Asbestos-related claims
- Gradual pollution
- Punitive or exemplary damages
- Certain contractually assumed liabilities
Do You Need Product Liability Insurance?
If your business manufactures, supplies, sells, or distributes products, Product Liability Insurance is strongly recommended.
Even with strict quality control, product defects can occur. Without the right cover, claims for injury or property damage could place serious financial pressure on your business, especially for sole traders, who may be personally liable.
When Can a Product Liability Claim Arise?
Product liability claims may result from:
01Manufacturing defects
For example, exposed wiring due to poor sealing.
02Design defects
Such as harmful materials used in products.
03Inadequate warnings or instructions
Missing safety labels or usage guidelines.
Public Liability Insurance questions.
Is Public Liability Insurance compulsory in Australia?
It is not legally compulsory for most businesses, but many clients, councils, landlords and work sites require proof of Public Liability cover before you can operate or start a contract.
What is not covered by Public Liability Insurance?
Injuries to your own employees, damage to your own property, the cost of fixing faulty workmanship, professional advice claims and contractual liabilities beyond common law are typically excluded.
Do I need Product Liability Insurance as well?
If you manufacture, supply, sell or distribute products, Product Liability Insurance is strongly recommended. It responds to claims for injury or damage caused by a defective product.
How much Public Liability cover should I have?
Common limits are $5 million, $10 million and $20 million. The right limit depends on your industry, contract requirements and the potential severity of a claim. We help you match the limit to your obligations.
Compare Quotes & Choose the Right Liability Cover
Get a quick public liability quote with Kasana Insurance Brokers. We help you find the right cover so you never pay for anything unnecessary.