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Public Liability Insurance

Choose public and products liability limit of cover: $5M, $10M or $20M
Prefer to speak with a consultant? Call 1300 131 000.

What is Public Liability Insurance?

If you interact with the general public as part of running your business, there’s always a risk an accident could happen. If a customer trips on an item at your business premises, or an employee damages customer property, you could be legally liable to pay compensation.

Public Liability Insurance, included under our Public and Products Liability Insurance, covers your business if a member of the public is injured or has their property damaged during the course of your work, or while using your products or services. It covers compensation you’re liable to pay and your reasonable legal fees incurred to defend a claim against you.

Pay by the month at no extra cost1.  You can pay monthly or annually at no extra cost to suit your cash flow.

What our Public and Products Liability Insurance covers

Public Liability Insurance, included under our Public and Products Liability Insurance, covers your business if a member of the public is injured or has their property damaged during the course of your work, or while using your products or services. It covers compensation you’re liable to pay and your reasonable legal fees incurred to defend a claim against you.

This cover is automatically included when you buy a Business Insurance Pack online with us. For a quote without Public Liability cover, contact our Australian-based Business team on 1300 131 000.

  • Third-party injury
  • Claims arising from the injury (and associated medical costs) of members of the public at your business premises or in relation to your business activity.
  • Third-party property damage
  • Claims arising from the damage to someone else’s property, whether it’s a physical premises (such as a building) or an item they own as a result of your business activity.
  • Legal fees
  • Reasonable cost of legal fees and expenses associated with defending a claim made against you, even if you’re not at fault.
  • Damage to property in your care
  • Covers third-party property damaged in your care, custody or control in relation to an insured event. Exclusions and limits apply, as covered in the PDS.

WHAT'S NOT COVERED
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

  • Damage to property owned by you

    Such as damage to your car, business premises you own, or your tools and equipment. These can be covered for accidental loss or damage under other sections of the Business Insurance Pack when you buy Public Liability Insurance.
  • Contractual liability

    Any liability assumed under a contract that requires you to affect insurance over property or to be liable regardless of fault.
  • Professional advice

    Public Liability does not cover you for claims arising from providing, or failing to provide, professional services or advice.
  • Faulty workmanship

    Damage to property or any part of property that must be repaired, replaced or reconditioned as a result of incorrect work performed by you or on your behalf, or the use of materials or equipment proven to be defective or inadequate in connection with such work.
  • Fines and penalties

    Fines or financial penalties, punitive, exemplary, liquidated, aggravated or multiple damages whether imposed through a court of law, legislation or under a contractual arrangement or otherwise.
  • Employers liability

    Liability for injury or illness to employees caused as a result of their work may be covered under standalone Workers Compensation Insurance, which isn’t available under the Business Insurance Pack.
  • Asbestos

    Any claim caused by or connected to asbestos regardless of the form and quantity of asbestos.
  • Product guarantee or warranty

    Any liability for any product guarantee or warranty given or that is required by law.
  • Drones

    Any claim directly or indirectly arising from or any way connected with the use, ownership, maintenance, operation or navigation of any drones or similar devices.
     
WHAT'S COVERED
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (where applicable) which are available on this website.

Do you need Public Liability Insurance?

If you interact with the public in the course of your business activities, Public Liability Insurance can help protect you if you become liable to pay compensation for injury to third parties, or damage to their property as a result of your business activities, or while using your product or service.

Even if you’re not at fault, you may still have to pay legal costs. Public Liability Insurance can cover reasonable legal costs you incur in defending a claim.

The list of industries exposed to Public Liability claims is extensive including tradies, retailers, professional service providers, health and beauty professionals, real estate and more.

Make sure you get the right level of cover

Often businesses are asked to give proof of insurance and need a specified level of cover. Check with your landlord, council or primary contractor to make sure you have the required Public Liability level of cover in place.

Flexible cover limits

We offer customers several Public Liability limits of indemnity to suit your business: $5M, $10M or $20M.

Risks for business owners

Personal injury can occur from something as simple as a trip or fall on your business premises and from day-to-day occurrences in relation to your business activities.

The following types of personal injury suffered by a third party could be covered by our Public and Products Liability cover:

  • Bodily injury, death, sickness, disease, shock, fright, mental anguish, mental injury or loss of consortium
  • False arrest, false detention, wrongful imprisonment, malicious prosecution or malicious humiliation
  • Discrimination as a result of race, religion, sex, marital status, age, intellectual impairment, disability or otherwise
  • Wrongful entry or wrongful eviction or other invasion of privacy
  • Defamation, libel and slander.

Exclusions apply, as covered in the PDS.

Why choose us?

Award-winning claims team2

Lodge a claim online 24/7 or find a number for your claims category to lodge a claim over the phone.

Australian-based Business specialists

Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now.

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase.

Ready to get started?

Prefer to speak with a consultant? Call
1300 131 000.

Frequently asked questions

The cost of Allianz Public and Products Liability Insurance depends on a number of factors, including the amount of cover you select (also known as the limit of indemnity), turnover and your business type. Call our dedicated Business team on 1300 131 000 for more information, or start an online quote now.
When you buy Public and Products Liability Insurance online, or by phoning our Australian-based Business specialist team on 1300 131 000, we’ll email your Certificate of Currency instantly.

If you’re a sole trader, contractor or freelancer who interacts with the general public on a regular basis, you could have a claim for damage or injury brought against you by a third party if an accident were to happen.

Without Public and Products Liability Insurance, you could be required to cover the costs of the third party as well as funding your own legal defence.

As a sole trader or contractor, you may also be requested to show proof of Public and Products Liability Insurance before entering a new contract, workplace or site.

Yes, you can buy Allianz Public and Products Liability Insurance on its own under a Business Insurance Pack policy.

However, if you’d like to insure against other risks to your business, such as damage to your business vehicle or specialist equipment you may travel with, you can also add other small business insurance covers to your Business Insurance Pack policy when you purchase your Public and Products Liability cover.

Public Liability Insurance for property owners is available through our dedicated Australian-based Business team. Call us on 1300 131 000 or more information and to begin your quote.

If you’ve selected Public and Products Liability cover, and provided details of your business location, cover can be provided to your home or mobile business.

Public Liability can insure your business against claims of negligence from clients or suppliers who visit your home. For example, if you run a home-based hair salon and a client comes to your home, trips on a power cord, and hurts themself.

Every business is unique and it’s impossible to predict how much compensation you may become liable to pay in the case of an incident. 

Cover of $5 million may be sufficient for a small business with low risk exposure. However, a higher limit may be required depending on the conditions of a contract you may be entering into.

If you’re unsure how much cover you may need, you could search the conditions of your business or trade license, landlord, council, worksite, or primary contractor to ensure you have the appropriate cover.

Depending on your circumstances, you may wish to consider setting a higher limit of cover for when something goes wrong.

Allianz offers flexible limits of $5M, $10M or $20M to choose from.  

Public Liability relates to a member of the public being injured or having their property damaged resulting from, or relating to, your work. For example, a customer visiting your premise, tripping on a wet floor, and injuring themself.

Products Liability relates to injury to a person, or damage to their property, caused by any products you manufacture, distribute, supply, or sell.

Allianz Public Liability Insurance, also known as Public and Products Liability Insurance, automatically includes both public liability and products liability under one convenient cover. 

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*Conditions apply

  1. Pay by the month (Payment instalments)
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply
  2. Awards 
    IBA General Insurer Claims Team of the Year in 2021
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.