Public Liability Insurance for Businesses

Public Liability insurance cover in Australia to protect your business from claims on injury or property damage.

In your business, risks of personal injury or property damage involving a third party may come up anytime. If you’re unprepared for the legal liability, the result can be devastating. It can disrupt your business operations and affect your finances.

As a business owner, you need to be equipped with cover for your business. Before a claim is made against you, arrange for public liability insurance to be ready for any potential public liability claim.

What is public liability insurance?

Public liability insurance is a type of insurance designed to cover the costs of claims made by members of the public when either, injury or damage has occurred within the business premise in the course of your business activities. 

Do I need public liability insurance?

A business is vulnerable to everyday risks and third party accidents. It is your responsibility to take all measures to prevent harm to your customers or suppliers. But no matter how you stay on top of your services, accidents can happen anytime such as slip and fall incidents. This is where public liability cover comes in.

Sparrow Insurance is here to assist business owners in Australia with their business insurance needs. We understand the risks that different industries face. We can assist you with business insurance products to meet the specific requirements, whether yours is a small business or a large company.

Let us help you arrange a public liability insurance policy.

Contact us now for additional options on insurance covers for Australian businesses and professionals. 


What is the limit of this cover?

To find the right insurance policy fit for your protection, take into account your financial situation or needs, kind of business activity, and other industry-specific requirements, including the requirement for the lease to operate your business.

How much will public liability insurance cost?

The cost of insurance premiums depends on the nature of your work, the size of your business, industry risks, level of cover, and other business needs.

Can public liability insurance protect my business against claims even if I’m self-employed?

Public liability insurance can also protect sole traders. Even if self-employed, you still have public liability for associated incidents happening within your business premises. Public liability insurance can help cover the cost of claims due to loss or damage to property of third parties. You can also extend to public and products liability or add other insurance policies, such as professional indemnity insurance and workers compensation insurance.