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Public Liability Insurance

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Understanding Public and Products Liability

Small business owners have a responsibility to third parties - customers, employees, suppliers and the community; and third party property. Being held accountable for grievances can negatively impact your reputation and finances. That's why liability cover is mandatory for small business owners under the Allianz Small Business insurance pack.

Allianz Small Business Pack offers you the option of $5 Million, $10 Million or $20 Million limit of indemnity within our Public and Products Liability cover. This cover aims to protect you for amounts which you are liable to pay for personal injury and property damage to third parties in connection with your business during the defined period of insurance.

Q. I need to take out public liability insurance, what is the right cover?

A. Our Small Business Pack includes Public and Products Liability, which can protect you and your business from legal proceedings in the event that someone is injured on your premises or as a result of products sold to them.

  Online Public and Product Liability
What is covered?

Your selected Limit of Indemnity covers your business in the event that you become legally liable to pay compensation for personal injury and/or property damage, and will be covered if it occurs within Australia and as a result of an occurrence in connection with your business.

Features and Benefits

Personal Injury to a third party means:

  • Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
  • False arrest, wrongful detention or imprisonment, and malicious prosecution
  • Wrongful eviction
  • Assault or battery
  • Libel, slander, defamation of character or invasion of the right of privacy, occurring during the period of insurance.

Property Damage includes:

  • Actual physical loss of or physical destruction of tangible property
  • The loss of use of tangible property which has not been physically damaged but cannot be used due to physical damage to other tangible property which occurs during the period of insurance.

Customers are able to select their Limit of Indemnity for either:

  • 5 Million Dollars
  • 10 Million Dollars
  • 20 Million Dollars
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Public Liability Insurance

Public Liability Insurance - Helps you out if you or your business is held accountable for third party injury or property damage.

Helps you out if you or your business is held accountable for third party injury or property damage.

Public liability insurance »

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Product Disclosure Statement

View the Product Disclosure Statements.

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs.

Policy terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement. View PDS update (privacy notice).

^Subject to eligibility criteria.
#Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice