Public and Products Liability Insurance in Australia

Combined insurance solution to help protect your business

If your business provides services or products, you have the responsibility to prevent harm or damage to property and people that you come in contact with during the course of your business activity.

But accidents can happen at any time and they’re beyond your control.

When these unforeseen situations occur, public and product liability insurance can help you handle the costly consequence of a claim due to third-party personal injury or property damage.

What is public and products liability insurance?

Public and products liability insurance is an insurance that protects businesses from legal liability such as paying compensation to third parties such as clients, suppliers, other members of the public, in the event of personal accidents and loss of or damage resulting from any business activity or through your products.

Public and Products Liability Insurance Coverage

Both public and product liability insurance cover are mandatory for all businesses. It could save you from potential risks when sudden claims arise. If you are importing products from overseas public and products liability is a must.

Other Insurance Products for Additional Protection

Risks for businesses are not only related to practice but to business operations as well. Get covered by other policies on top of public and products liability insurance. These insurance products below are a recommendation only and are subject to a review of your specific requirements.

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit, and statutory fines and penalties.

Business Insurance

This policy protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This insurance product covers you from data theft.

Tax Audit Insurance

Whether you run a small or large business or work as a health or beauty contractor. This insurance policy will cover your business for tax auditing by the ATO.

Personal Accident and Illness Insurance

This insurance is for every individual, business owner or contractor, as accidents and sickness do happen to business owners and contractors. This may assist your business to enable you to employ staff to cover you, the business owner, while you are unable to work.

Workers’ compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident.

Get in Touch with Sparrow Insurance

Sparrow Insurance understands the risks that business owners face. It can be overwhelming to go over the different business insurance policies. But we’ll help you get through it with insights so you can be more confident with the right type of cover for your business.

Let us know your specific needs so our team can assist you with the insurance package unique to you.

Get an insurance review or request a quote online now.


1. Is there a standard public & products liability insurance cover?

No, due to the many different occupations and businesses requiring public and products liability. Sparrow Insurance highly recommends a chat with one of the team to review your risks and requirements.

2. Do I need workers compensation insurance for 1 employee?

Yes, all employers with at least one employee must have workers compensation insurance. This insurance policy covers contractors and subcontractors unless they are independent entities. It is the general responsibility of employers to provide the information they need.

3. How much does this insurance cost?

The cost depends on the level of cover you want to get and the business type and service you offer.

4. How do I apply for this insurance plan?

Talk to us through the Contact Us page or give us a call at (07) 550 28326. We can proceed with the initial consultation, where we can assess your business operations. From there, our trusted insurance brokers can present to you several packages to choose from.

5. Is there a fee for additional coverage?

Extras in insurance cover come with additional fees.