Public Liability and General Liability
Insurance in Australia

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Public Liability and General Liability Insurance*

Looking for public liability insurance for your small business in Australia ? You may have come to the smart place for suitable and affordable cover.

Wherever you are in Australia ; if you want to know :

– how much public liability will cost your business,
– whether you need liability insurance,
– or if you want a public liability insurance comparison

our friendly general liability insurance brokers may be able to help you. Simply call us 1300 542 573 or enquire here to see if we can help you find suitable liability insurance for your activities.

Many business owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Small business owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Public Liability Insurance ANSWERED:*

Public liability is one of the most vital forms of insurance for businesses of all sizes.

As an Australian small business owner, including if you are a sole trader or contractor, you should strongly consider public liability insurance if you have members of the public, customers and suppliers visiting your premises, or if you or your staff visit the premises of customers, suppliers and business partners.

According to the Australian government website for business ,, and specifically the section on liability insurance, while “liability insurance is optional in most cases,* it is strongly recommended for businesses in all industries as the likelihood of being sued is unpredictable and potentially very costly”

*Smart broker tip:

  • Public Liability and general liability is required for some licensed occupations.
  • Please read below or call your SMART business insurance broker on 1300 542 573 for more information

Public Liability Insurance, also known as general liability insurance or liability insurance , is the core insurance for most small business owners, self-employed contractors and sole traders.

For a relatively low cost Public and General Liability insurance can protect a small business owner, self-employed contractor or sole trader against a lot of types of significant claims and damages. Please see the Public liability definition below:

  • Legal liability of a business to compensate the damages made to the general public on account of injury, death, damage to property and possessions due to business negligence.

For small business this means public liability insurance may cover third party damages; including legal defence costs.

That is public liability insurance may cover your small business for claims against:

  • Damage to someone else’s property
  • Personal injury to someone not employed by you

Examples of small business public liability insurance claims are:

  • Slips, trips and falls to someone not employed by you.
  • Damage to the equipment or personal belongings of someone not employed by you.
  • A falling or moving tool or building material causes damage to someone else’s property or someone not employed by you.

In the above situations your business may be legally responsible for the claim. To cover your small business against potential public liability insurance claims, talk to your SMART Business Insurance Specialist on 1300 542 573.

If your small business has a suitable public liability insurance policy for your business activities the following claim costs may be covered.

In the case of damage to someone else’s property:

  • Pay for the repair of damaged property.
  • Pay for the replacement of ruined or lost property.

In the case of personal injury to someone not employed by you:

  • Some medical expenses for the injured person.
  • Legal fees; including court costs and settlements.
  • Damages awarded against you if your business is found liable.

A key factor that determines the price of general liability insurance is the amount of cover, or sum insured.

Typically general liability cover is available in either $5million, $10million and $20million.

The first two factors:

  • The nature of the business, and the size of business, often determine the amount of cover ($) your business will need.
  • The general rule of thumb is the greater the risks and/or the larger the business, the larger ($) sum insured.

Not sure if you need $5million, $10million or $20million cover? Based on your industry and company size, our friendly insurance brokers may be able to help by providing guidance in relation to industry benchmarks for your size of business.

For more information on general liability insurance sums insured please contact us. Call us at 1300 542 573 to talk to a business insurance specialist.

General liability insurance policies can be paid monthly.

With general liability policies for some office based occupations monthly general liability premiums start from approximately only $35 per month on an annual premium.

With general liability policies of some trade based occupations for self-employed sub-contractors general liability premiums start from approximately only $45 per month on an annual premium.

Contact a SMART business insurance broker for an affordable annual general liability insurance cost you can pay monthly.

In some parts of Australia , for some occupations public liability insurance can be compulsory. Examples are plumbers in Victoria, and electricians in Queensland.

Also in the building trade throughout Australia many worksites will not let any of their subcontractors on their worksite without a Certificate of Currency . That is proof public liability insurance has been paid, and is in force.

Whether it is compulsory or not public liability insurance is recommended for all small businesses, including sub –contractors, whose activities take place in public, who want to protect themselves and their assets.

Accidents happen in business all the time and claims for damage to someone else’s property and personal injury can be very expensive.

Even if the accident is not your fault you may need to pay lawyers to defend you. Have you budgeted for a legal bill of over $10,000 this year? Why spend large amounts of your own or your businesses’ money defending yourself, or put your business and personal assets at risk, when for a relatively small amount you can protect yourself and your business with public liability insurance?

You may be able to protect yourself, your business partners and staff today with an affordable and suitable public liability for your business activities by calling 1300 542 573 and talking with a friendly SMART business insurance broker.

Important information about public liability for subcontractors and trades:

  • In Australia sub-contractors and trades are responsible for their own actions on a worksite.
  • If you cause property damage or personal injury to another person you will be liable for financial damages, legal defence costs and other charges
  • Every day Slip-and-fall accidents may cost your small businesses well over $10,000

Typically a public liability policy will only respond if the incident occurs within the period of insurance.

Each insurance policy is different and includes exclusions that are not covered by public liability insurance.

These are some of things that are generally excluded from public liability insurance policies:

Protection or covers for some of the above business risks can be packaged and purchased together . In Australia many trades and small businesses can purchase public liability together.

For professional consultants public and professional indemnity insurance can be packaged and purchased together.

Even commercial property and public liability insurance can be combined together in what is call a “business pack “

It’s important you talk to insurance broker and discuss your activities and risks and find cover that is suitable and affordable.

Call 1300 542 573 and talk with a friendly SMART business insurance broker about packaging multiple insurance covers for the risks your business faces and SAVE.

While the business risks above are not covered by a public liability insurance only policy thay can typically be covered ina combined policy with public liability or a stamd alone policy.

There are however some risks that insurance companies generally do not cover. Just some of these risks are incidents in relation to fraud, poor workmanship, contractual liability ,exposure to hazardous materials ,and acts of war and terror.

A SMART business insurance broker can help you understand what you may be covered for and what you won’t be covered for.

To have a SMART chat about public liability insurance ; get costs or a quote call 1300 542 573 or email

When it comes to Public liability insurance in Australia SMART Business Insurance provides sole traderscontractors and business owners with online ease and simplicity combined with friendly service.

Our broking team obtains multiple public liability insurance quotes on suitable policies every working day from leading insurance companies such as VeroZurichCGU and AIG. We SHOP . You SAVE.

Call us on 1300 542 573 or email – we are here to help you find suitable public liability for your business activities at an affordable cost.

Want guidance on public liability coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

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