Public Liability Insurance

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Understanding Public and Products Liability

Importance of 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 cover options

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.

What is coveredYour 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.

Personal injury cover

What this means for Allianz

  • 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 cover

What this means for Allianz

  • 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.

Select your Limit of Indemnity

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

  • $5 Million Dollars
  • $10 Million Dollars
  • $20 Million Dollars

Why choose Allianz for your Small Business Insurance


Our online system enables you to get the cover you need when you need it.


Our insurance experts can assist in explaining our cover options for you to choose from.

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