What is Public Liability Insurance?

Public Liability Insurance, also known as Public and Products Liability Insurance, helps to protect you if you become liable to pay compensation or legal settlements for injury to third parties, or damage to their property, during the course of your work. Public Liability Insurance can also cover the cost of your reasonable legal fees incurred from defending a claim against you.

If you interact with the general public as part of running your business there is always a risk that 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 cover the costs. This could include the cost of third party compensation or expenses, in addition to the cost of funding your own legal defence.




Fast, Simple and Convenient

Instant Insurance Certificate

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

Pay by the Month - no extra charge*1

Enjoy paying monthly and at no extra cost.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

Claims - we have your back

When misfortune strikes, Allianz is there for you. Lodge a claim by phone 24/7.

What does Public Liability Insurance cover?

Public 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. This includes cover for the compensation or expenses awarded to a third party for events such as:

Injury to, and associated medical costs incurred by, members of the general public at your business premises or in relation to your business activity.

Damage to someone else’s property, whether it is a physical premise (such as a building) or an item they own.

Other third party expenses awarded against you e.g. legal fees.

Public Liability Insurance also covers the reasonable cost of your legal fees and expenses associated with defending a claim made against you, even if you are not at fault.


What is Products Liability Insurance?

Products Liability Insurance provides cover for claims made against you in connection with a product you have manufactured or supplied that may have caused damage or injury to another person.

This cover is automatically included when you purchase Public and Products Liability Insurance with Allianz



Buy your cover in two easy ways:

Get a quick quote online

Purchase Public Liability Insurance online as part of our Small Business Advantage Pack. You can also add additional insurance covers to suit your business needs.

Call our team of specialists

With years of experience in Public Liability Insurance, and a dedicated small business team, Allianz understands small businesses and offers a range of insurance products you can choose from to suit your business needs.

Ensure you get the right level of cover

Often businesses are requested to provide proof of insurance and require a specified level of cover. Check with your landlord, council or primary contractor to ensure that you have the required Public Liability level of cover in place.

Flexible Cover Limits

Allianz offers customers several Public and Products Liability limits to suit your business: $5 million, $10 million or $20 million.

Frequently Asked Questions

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, during the course of your work.

Public Liability Insurance can help protect you in the event of claims for personal injury or property damage that a third party suffers as a result of your business activities. Even if you’re not at fault you may still have to pay expensive legal costs while defending yourself. Public Liability Insurance can cover reasonable legal costs you incur in defending a claim.

Personal injury can occur from something as simple as a trip or fall on your business premises, but can also arise from other day to day occurrences in relation to your business activities. The following types of personal injury suffered by a third party could be covered:

  • 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;

*Terms, conditions, limits and exclusions apply. For full details and before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

The cost of Public Liability Insurance depends on a number of factors, including the amount of cover you select (also known as the Limit of Indemnity), specific inclusions and your business type. Call our dedicated small business team on 1300 131 000 for more information, or start an online quote now.

When you purchase Public and Products Liability insurance online, or by phoning our specialist team on 1300 131 000, we will email your Certificate of Currency instantly

This is a summary of some policy exclusions only. Please read the PDS for full details of exclusions that apply.

Public Liability Insurance only covers claims made against you by third parties. The following are some of the exclusions that apply to Public and Products Liability insurance:

  • 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 Small Business Advantage Pack which can be added when you purchase your Public Liability cover.
  • Damage to a third party’s property in your care, custody or control, unless otherwise specified.
  • 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: If you provide professional services or advice, Public Liability Insurance does not cover you for errors, omissions or negligence in relation to those services.
  • Faulty workmanship: Damage to property that must be repaired or replaced 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.
  • Asbestos: Any liability caused by asbestos or any asbestos contained in other materials regardless of the form and quantity of asbestos.
  • 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 a standalone Workers Compensation Insurance product which is not available under the Small Business Advantage Pack.

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

It is up to you to decide on the limit of indemnity (level of cover) that’s right for your business. Sometimes a lease, contract or council will require your business to hold a specified minimum level of cover.

Allianz offers customers several Public Liability limits of indemnity to suit your business: $5 million, $10 million or $20 million.

If you are 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 purchase Public Liability Insurance cover online now here. Public Liability is a compulsory cover that must be included in a Small Business Advantage Pack policy.

You can purchase Public and Products Liability cover on its own, or you can combine this with other small business insurance covers as part of your Small Business Advantage Pack policy, whatever suits your needs.

Yes, you can purchase Public and Products Liability Insurance on its own under a Small Business Advantage Pack policy. However if you would 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 Small Business Advantage Pack policy when you purchase your Public Liability Insurance.