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, also known as 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.
Get a $100 eGIFT card + save up to 10%
Buy a new Public Liability insurance cover and get a $100 eGift card. Plus save up to 10%2,3 on your first year’s premium when you buy it as a part of a new Business Insurance Pack policy online2,3
Use promo code GIFT at checkout or over the phone
What our Public and Products Liability Insurance covers
Public and Products Liability Insurance helps cover your costs if you become liable to pay compensation to a third party for damage to their property or injury to them. Learn more about what is and isn’t covered before getting a Public and Products Liability Insurance quote.
This cover is automatically included when you buy a Business Insurance Pack online with us.
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 , , , , real estate and more.
Make sure you get the right level of cover
Flexible cover limits
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?
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Pay monthly at no extra charge1
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Frequently asked questions
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.
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- 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.
- Online discount terms and conditions
A premium discount of up to 10% is applied to your first year's premium when you buy a new Business Insurance Pack policy online.
Please note that the online discount doesn’t apply to Commercial Vehicle cover, Goods In Transit cover or the following Management Liability covers: Directors and Officers Insurance, Employment Practices Liability, or Crime Insurance (which are only available from our contact centre).
This discount isn’t applied at renewal.
- Minimum premiums may apply
Any discount and/or entitlements may be subject to rounding and only apply to the extent that any minimum premium isn’t reached.
If you’re eligible for more than one discount, we apply them in a predetermined order. This means the effect of applying any subsequent discount will be applied to the reduced premium amount after applying any prior discounts. For example, the aggregate effect of applying two discounts consecutively means that you won’t see the full benefit of both these discounts.
Discounts don’t apply to taxes or government charges. No discounts are applied to Commercial Vehicle cover.
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, please consider the relevant for this insurance are available on this website.(if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.
Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.