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.

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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

How to Choose the Right Public Liability Insurance for Your Business

Choosing public liability insurance is not just about comparing premiums. Australian businesses should understand policy limits, exclusions, excesses, endorsements and conditions before deciding whether a policy is appropriate for their risks. - read more

Product Liability Insurance in Australia: A Practical Guide for Business Owners

Product liability insurance can help protect Australian businesses from the financial impact of claims alleging that a product they manufactured, imported, distributed or sold caused injury, illness or property damage. This guide explains how the cover works, what to check in a policy and how it fits into broader product risk management. - 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 Firmer Cattle Prices Should Trigger an Insurance Check

15 Sep 2026: Paige Estritori

Recent rural market reporting has pointed to firmer cattle values across parts of eastern Australia, with improved seasonal confidence, restocker demand and tighter supply helping support prices in a number of saleyards. For producers, stronger prices are welcome after a period of difficult seasonal and cost pressures. But there is also a quieter insurance issue sitting behind the market lift: if livestock values rise, the financial exposure carried by the farm may rise with them. - read more

Softer premiums do not remove the need for sharper cover checks

15 Sep 2026: Paige Estritori

Recent commercial insurance market commentary points to a more favourable pricing environment for many Australian business buyers, with competition returning in some lines after several years of tougher renewal conditions. For consultants, this is welcome news, but it should not be mistaken for a signal that professional risk has become simple or low-cost to insure. - read more

Why Cyber Insurance Reviews Are Becoming More Urgent

15 Sep 2026: Paige Estritori

Cyber insurance has moved from a specialist add-on to a mainstream business risk issue. Recent industry commentary points to a more selective market: insurers are examining security controls, data handling and outsourced technology dependencies before offering terms. For many Australian small businesses, that means a renewal is no longer just a price conversation. It is a test of whether the business can show how it prevents, detects and recovers from an incident. - read more

Affordability Pressure Is Changing the Risk Picture for Landlords

15 Sep 2026: Paige Estritori

Recent rental market commentary is again highlighting a practical issue for Australian landlords: tenant affordability is becoming a stronger force in how rental demand behaves. While many areas remain tight by historical standards, rising living costs and stretched household budgets are changing what renters can absorb, where they look, and how long they stay. - read more

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