Who needs public liability insurance

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Do I need public liability insurance and what does it cover?*

If you are small business owner , contractor or sole trader and wanting to understand if you need public liability insurance and what it covers you may have come to the SMART place.

In Australia Public Liability Insurance is the core insurance for most business owners, contractors and sole traders.

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
who needs Public Liability Insurance ANSWERED:*

It is very important for business owners, contractors and sole traders to have public liability insurance as, for a relatively low cost, it can protect both your business , and you personally, from significant claims and damages.

In Australia, 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.

Public liability insurance is required by small businesses and the self-employed as it may cover:

  • 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.

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.

  • We may act for you – the small business owner – not the insurance company
  • We may obtain multiple public liability 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!

The list of businesses, sole traders, contractors and professional consultants exposed to Public Liability claims is extensive. Many are listed below:

  • Accountants
  • Allied Health Care
  • Aerial Installers
  • Agricultural Contractors
  • Alarm Installers & CCTV Installers
  • Bathroom Installer
  • Boiler Services
  • Builders
  • Commercial property owners
  • Cleaners
  • Cafe Insurance
  • Carpet Layers & Flooring installers
  • Ceiling Installers
  • Concreters
  • Curtain & Blind Fitters, Curtain and blind installers
  • Damp-proofing Installer
  • Demolition Contractors
  • Drain Cleaners
  • Domestic Shed/Garage Erection, Shed installers, Shed Garage installers
  • Engineering
  • Electrical Contractors, electricians
  • Fire Alarm Installers, Fire Surround Installers
  • Flower Arrangers,florists
  • Fork Lift Truck Servicing, Fork Lift Truck Training, fork lift maintence contractors
  • Garden Designers
  • Gardeners
  • Graffiti Removalists
  • Grit Blasters
  • Guttering & Fascia Board Fitters
  • Health & Safety Advisors
  • Heating & Ventilation contractors
  • Hydraulic Engineers
  • Industrial Plant Repairer
  • Interior Designers
  • Joiners
  • Kitchen Installers
  • Lift Engineers
  • Mortgage & Finance Brokers
  • Metal Fabricaters
  • Offices
  • Plasterers
  • Printers
  • Project Managers
  • Painter & Decorator (No Height Limit)
  • Paving, Path & Drive Contractors
  • Real Estate Agents
  • Refrigeration Engineers
  • Roller Shutter & Door Installers
  • Shop Fitters
  • Shuttering & Formwork Contractors
  • Sign Makers & Erectors
  • Solar Panel Installation
  • Steel Erectors, Steel Fabricators, Steel Reinforcing
  • Stone Masons
  • Tax Agents
  • Tradies
  • Telegraph Pole & Street Lighting
  • Tilers
  • Wholesalers
  • Advertising & Marketing
  • Bookkeepers
  • Air conditioning contractors
  • Architects/Surveyors/Consultants
  • Beautician Mobile/Chair in Salon
  • Bricklayers
  • Body corporate unit holders
  • Consultants
  • Contractors
  • Carpenters & Joiners
  • Carpet & Upholstery Cleaners
  • Computer Repairs & Maintenance
  • Concrete Repair & Drilling
  • Cladding contractors
  • Caterers
  • Data Cable Installers
  • Domestic Appliance Repairer
  • Drilling Contractors
  • Ductwork Installers
  • Domestic Swimming Pool Installation, Swimming pool installers, swimming pool builders
  • Electronic Engineers
  • Exhibition Stand installers
  • Fencing Contractor, fencing installers
  • Fitted Furniture Installers
  • Forestry Contractors
  • French Polishers & Upholsterers
  • Glazing Installers, glazing contractors, glaziers
  • Gas Fitters
  • Grave diggers
  • Groundworkers
  • HR & Recruitment Specialists
  • Hairdresser
  • Heating Contractor
  • Hydraulic Engineers
  • IT Firms
  • Insulation Contractor
  • Kerb & Paving Layers
  • Landscaping Contractors
  • Manufacturers
  • Mobile hairdressers
  • Office Furniture Installation
  • Pipe Fitters
  • Plumbers
  • Professional / admin Occupations
  • Property Maintenance & Repair
  • Partitioning Contractors
  • Restaurant Business Insurance
  • Removal Contractors, removalists
  • Roofing contractors
  • Scaffolding Contractor
  • Shot Blasting
  • Solid Fuel installation
  • Sprinkler Installers
  • Steam Cleaning & Pressure Washing
  • Sole traders
  • Small Medium Retail
  • Take Away Shops Insurance
  • Telecommunications Engineers
  • Treefellers & Tree Surgeons {Ex Abseiling & Climbing)
  • Welding Contractors, welders
  • Window cleaners

Example 1: How Public Liability Insurance can protect your business

You repair a leaking tap; a month later your customer experiences a serious leak causing consequential damage to their property. Public Liability insurance can cover you for legal bills and any damages awarded against you.

Example 2 – What is Public Liability Insurance for small business owners?

Public Liability for small business owners, trade employees and staff.

One of your staff members works on a repair at a customer’s home and knocks over an expensive vase. If your customer lodges a claim for compensation against you Public Liability insurance may cover you for the damage.

Example 3 – What is Public Liability Insurance for Retail Shops and Cafes?

Public Liability for shops, retailers, restaurants, take-away food and cafes.

Due to the high number of customers visiting businesses such as shops and take-away food outlets the public liability risk is high. As a retail shop owner and operator you have a legal responsibility for people coming on to the premises.

It can be as simple as one of your customers tripping as they enter your shop and hurting themselves. Public Liability insurance may cover your business for claims and damages for personal injury. Similarly if a customer “bumps” into any objects that causes them injury public liability may cover you.

The other main insurance risk for food businesses is related to the food. In this instance Public Liability insurance alone is insufficient cover. Product liability insurance is required to offer cover against any claims and damages caused by the food served including legal fees for any unsubstantiated claims against you.

Most retail business operators will take out a combined Public and Products liability policy to protect their business from the everyday risks faced by their business from people entering their premises(public liability) and people purchasing food or retail products from them(products liability).

Retail premise owners (as distinct from the retail business operator) also have public liability obligations for “personal injury or damage to property” caused by the structure of the buildings, common areas, and services such as sprinklers.

Example 4 – What is Public Liability Insurance for Offices & Professional Businesses?

Public Liability for offices and professional businesses.

Generally for office based businesses the Public Liability risk is lower than for tradesmen, retailers and hospitality.

However, even in white collar professions accidents happen so Public Liability Insurance is necessary. For example, if a client falls down the stairs, or if your business is subject to a claim from a member of the public to pay damages to their person or property. Public Liability Insurance may provide protection against claims and damages including legal fees. This can provide your business with an extra layer of protection, even when unsubstantiated claims are made against you.

The above provides business owners with an explanation on what Public Liability Insurance is, and also how it may affect their business.

Our business insurance brokers can help you understand what Public Liability Insurance cover is generally taken for your type of business based on industry benchmarks.

For Public Liability Insurance quotes from leading insurance companies in one phone call please call 1300 542 573 or contact us online.

Want guidance on public liability coverage for your small business?
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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!

Find out more.