What is product liability insurance for Australian businesses?

Product liability insurance is business insurance that may help cover legal defence costs, settlements or compensation if a product manufactured, imported, distributed or sold by a business is alleged to have caused injury, illness or property damage. Cover depends on the policy wording, limits, excesses and exclusions.

How do I choose between professional indemnity and public liability for my business?

Choosing between professional indemnity and public liability insurance depends on your business activities and the risks you face. Professional indemnity insurance is relevant if your business provides advice, consultancy or specialised services and could face claims involving negligence, errors or breach of professional duty. Public liability insurance is relevant if your business interacts physically with customers, clients, suppliers or the public and could face claims involving injury or property damage. Some businesses may need both.

What should I do first after an incident that may lead to a public liability claim?

First, make the area safe and arrange assistance for anyone who needs it. Then record the facts, take photos or videos where appropriate, collect witness details and notify your insurer as soon as feasible.

What does public liability insurance help cover?

Public liability insurance is designed to help with certain third-party injury or property damage claims connected with business activities. Depending on the policy, it may help with legal defence costs and compensation costs for covered claims.

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Liability Insurance For Trades, Professions & Business

If you want to compare public liability insurance options for your business, then you are in the right place. Simply enter a single quote request via this website and we will help match you with a broker from our Australia-wide referral partner panel to compare public liability insurance quotes and options from participating insurers.

Get the right cover at competitive rates.

Comparison results are from participating insurers and brokers supporting our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

Public Liability Insurance

Liability insurance (also known in Australia as public liability insurance - or simply public liability) is an insurance cover for individuals and businesses to indemnify against the financial implications of property damage and bodily injury to others. Liability insurance also includes cover for associated legal and professional costs in defending a claim.

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Comprehensive Solutions

Simply complete our short online public liability insurance quote form for access to competitive Public Liability Insurance rates from participating insurers, including (but not limited to) business liability insurance, employer liability insurance, directors and officers liability, product liability insurance, contractors liability insurance, trades liability insurance, property liability insurance, broadform liability insurance, landlords liability insurance, etc.

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Compare Rates & Options

Because all Public Liability policies are different, we help you compare features and benefits - not just price - so you can find Public Liability protection that offers competitive value for your needs from brokers and insurers participating in our referral service.

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Multiple Insurers

When you submit an online quote request with us, we match your details with a suitable licensed insurance professional from our national broker referral panel, who typically has access to a selection of policies from multiple participating insurers.

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Public Liability Insurance Calculator

Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

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Frequently Asked Questions

Business Insurance Articles

Environmental Liability for Australian Businesses: Risks, Laws and Insurance Considerations

Environmental liability can affect how Australian businesses plan projects, manage operations, train staff and arrange insurance. This guide explains the main types of environmental liability, the regulatory issues businesses may need to consider, and practical ways to manage environmental risks without treating insurance as a substitute for compliance. - read more

Professional Indemnity Insurance in Australia: What It Covers and How It Works

Professional indemnity insurance can help protect Australian professionals and service businesses against claims arising from alleged errors, omissions, negligence or breaches of professional duty. This guide explains what it may cover, how claims-made policies work and what to check before arranging cover. - read more

How to Assess Your Risk Exposure and Select the Right Indemnity Coverage

Professional indemnity insurance stands as a pivotal safeguard for Australian professionals navigating the intricacies of liability in their work life. This form of insurance is designed to protect professionals against legal costs and claims for damages arising from acts, omissions, or breaches of professional duty in the course of their practice. Whether it's due to an honest mistake or an unforeseen error, the ramifications of such professional oversights can be financially crippling. - read more

The Importance of Documentation in Public Liability Claims

Public liability insurance is designed to help protect a business when it is found legally responsible for injury or property damage suffered by a third party because of its operations. If an incident occurs, the quality of your documentation can make a major difference to how clearly the claim is assessed. - read more

Insurance News

Why steadier insurer results still call for a cover review

08 Sep 2026: Paige Estritori

APRA’s latest general insurance data suggests the Australian insurance sector is operating on a steadier footing, with industry results supported by firmer underwriting discipline, investment returns and ongoing attention to capital strength. For consultants, that is broadly positive news: a healthier insurance market can help maintain capacity and give buyers more room to discuss cover options at renewal. - read more

Falls From Height Are Back in Focus for Construction Risk

08 Sep 2026: Paige Estritori

Renewed regulatory and industry attention on falls from height is a timely warning for Australian builders, subcontractors and project managers. While falls are usually discussed as a work health and safety issue first, they also sit squarely inside the insurance conversation because a serious incident can trigger workers compensation claims, public liability exposure, contractual disputes, investigation costs and reputational damage. - read more

Why Strong Insurer Results May Not Ease Freelance Premiums

08 Sep 2026: Paige Estritori

Recent general insurance results point to a sector that is in better financial shape than it was during the most intense period of claims inflation, severe weather losses and investment market volatility. Industry reporting on APRA data indicates that premium increases, stronger investment returns and more disciplined underwriting have helped Australian insurers rebuild margins, even as natural hazard risk and repair costs remain persistent pressure points. - read more

What New Safety Guidance Means for Personal Trainers

08 Sep 2026: Paige Estritori

Recent fitness sector guidance has again put safe service delivery in the spotlight for personal trainers, particularly as more Australians mix gym-based sessions with outdoor training, small-group classes, online coaching and higher-intensity programmes. The message for exercise professionals is practical rather than alarmist: when client needs are more varied, the systems behind each session matter just as much as the workout itself. - read more

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Knowledgebase

Coinsurance:
A percentage of the cost of a covered healthcare service that you pay after you have paid your deductible.

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