We dealt directly with Clayton from Consolidated Insurance Brokers and it was such an easy and seamless process. Before getting in contact with Clayton we tried 2 other brokers that simply couldn’t find public liability for us at a reasonable price. I would highly recommend and would certainly use Clayton again for any insurance needs moving forward.
Got a renewal that keeps climbing, or won't give the cover you need? Standalone general liability priced for your business.
Quick answerCan I buy general liability insurance on its own?Yes, once your business is large or specialised enough for an underwriter to price it individually. The underwriters we use do not sell direct, so Consolidated Insurance Brokers places the cover for you. A smaller, simpler business is usually better served by ordinary packaged liability. Ring 07 3292 1111 and we'll tell you which suits you.
Do you know what a standalone liability policy won't pay for? A claim outside the cover is yours to fund. We set the policy up around what your business actually does, and tell you plainly what it leaves out.
Google reviews, word for word
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We had excellent service in obtaining insurance on a newly purchased commercial property. Clayton Rowlings explained everything so clearly and very patient with many questions regarding different options. Highly recommended! Thanks Clayton.
Tracey helped me sort out professional indemnity and public liability insurance for my new business - she was super helpful throughout the process helping me navigate for the first time.
Deja provided a prompt and professional service in securing a policy that suited my requirements.
Terrific experience with Gina. I had a difficult policy which other brokers couldn't find a solution for. Gina had an option for me within a few hours. I would highly recommend.
Thank you so much Cyndie for your help/advice/service. You made the whole process so easy. Thank you again. Jason Armstrong
Alison was a life-saver for us, staying after hours to make sure that we could get the building insurance coverage we urgently needed for a property purchase.
Debbie was always happy to help with my questions and very prompt with her service.
Hi I can highly recommend Aimee Spencer for all your insurance needs she has done a fantastic effort on keeping my insurance policy once again Many Thanks for all your work
Saskia Van Oostveen was efficient, professional, accurate, helpful and friendly throughout the entire process. Highly recommend!
A great experience with Tori, attaining some tricky commercial insurance, she was very professional in catering to your needs, whilst also having a quick turn around.
Jade was wonderful, finding me insurance coverage for a commercial property. Greatly appreciated her excellent service.
I contacted Tracey E from Consolidated Insurance Brokers for some commercial property quotes. Tracey was super helpful helpful, friendly and provided great advice. Highly recommend for all your insurance needs!
Thanks for your assistance Dylan with car insurance inquiry you have been really helpful and professional.
Shona was always available and answered all my queriers. A1 service and happy to recommend.
I contacted Renay after she was recommended by a family friend, for home and contents insurance. She was prompt and helpful and had me all sorted in a couple of days. Highly recommend!
I needed fast transit insurance this week and Daniel Roussounis was outstanding in his immediate response and getting this organized for me. Can't recommend Daniel and Consolidated Insurance Brokers highly enough!
Second year organising insurance with Jim K., did not have any issues and a smooth transition. I recommend
May Lewong at the Emerald office was amazing. Easy to deal with and was quick and efficient.
Reena was absolutely fantastic during the entire process helping me set you our new home and contents insurance. Would definitely recommend to anyone.
Natasha as always, gives us professional, exceptional service and would recommend her to any business :-)
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Written by William Paull, QPIB
Co-Founder & Account Director · Read William’s full profile
When can a business buy general liability on its own?
Standalone cover is worth considering when your business's size or specialised work calls for an underwriter to assess it individually. Its minimum premium is generally higher than the liability section of a business pack. A pack may offer better value for a smaller business doing simpler work.
What public liability insurance costs explains when the premium makes standalone cover worth comparing with a package.
A plumber's packaged premium reflects claims across the trade, including water damage in strata buildings. As turnover grows, fewer packaged insurers may quote. Individual underwriting gives the business another option to compare.
How is general liability insurance different from the liability in a business pack?
It gives the same kind of protection as a business pack's liability section, in a policy of its own. An underwriter prices it for your business, and its limits, exclusions and conditions can differ.
Both respond when someone outside your business is injured, or their property is damaged, because of something your business did or did not do. Our public liability insurance page sets out what that cover includes and excludes.
A package uses set occupations, acceptance criteria and rating tables to produce a quote quickly. It suits many smaller businesses whose activities fit those terms.
For standalone cover, an underwriter reviews your business, asks questions and sets the premium. Your activities, controls and claims history matter, alongside the insurer's appetite and experience with that type of work. An accurate submission can affect the offer.
Neither policy is automatically broader or worse. Which serves you better depends on what each policy says about the work you do, so we compare both before you buy.
How is a general liability policy bought?
Through a broker. The insurers and specialist underwriting agencies we use for standalone liability deal with licensed brokers, rather than selling this cover directly to businesses.
Why you cannot buy general liability insurance online explains why, and what an underwriting agency is.
We describe your work, turnover, claims history and risk controls to underwriters who consider your kind of business. Details such as how work is supervised and what you did after previous losses help them understand it. We answer their questions as they assess it.
Describe every activity, including new services, height work, storage and subcontracting. If the business description is incomplete, the policy may leave part of your work uninsured.
Subcontractor payments affect liability pricing and can affect injury cover. Some contractors count as workers under workers compensation law. For others, injury claims may fall to public liability, depending on your liability and the policy terms. Give the insurer accurate figures and report changes.
We check the wording, schedule and endorsements for restrictions on your work, such as height or digging limits. Endorsements change the policy's terms. We compare cover, seek terms that suit your business and explain restrictions that remain, including at renewal or when the policy changes.
For a policy we look after, make the situation safe and tell us promptly. Our claims page explains the process.
When a claim is made against your business
Your broker stays involved when you claim, backed by our specialist claims manager who deals with the insurer. We follow up delays and explain what the insurer is saying. If the policy and evidence give grounds to challenge its decision, we take that up with the insurer.
Short answers
What is general liability insurance?
General liability insurance is public and products liability bought as a separate policy. It covers what you become legally liable to pay when your work, or a product you sell or supply, injures someone outside your business or damages their property, subject to the policy's terms. An underwriter prices it from a written description of your business, which Consolidated Insurance Brokers prepares for you.
Why can't I buy general liability insurance online?
Because it is generally not sold to the public. The insurers and specialist underwriting agencies we place this cover with deal only with licensed brokers. The full explanation is in why you cannot buy general liability insurance online.
Is general liability just public liability by another name, and do you need it instead of a business pack?
General liability usually means public and products liability in a policy of its own. It may suit a larger or specialised business that needs an underwriter to assess it individually. A business pack may offer better value for a smaller business doing simpler work. Compare the cover as well as the price.
How is a standalone liability premium worked out?
An underwriter works it out from what we tell them about your business. They weigh what it does, its size, how the work is supervised and subcontracted, and what has gone wrong before. They price that against the kinds of risk they want to write and their claims experience in that class of work. Two underwriters can reach different premiums on the same business on the same day.
Roughly what will general liability cost, and will it be more than a pack?
Minimum premiums generally exceed a business pack's liability section. For a larger or specialised business, compare the actual offers: standalone cover is not automatically cheaper. What public liability insurance costs explains when that comparison can be worthwhile.
Can you get cover for an occupation an insurer has declined?
One insurer's refusal does not mean you have no options. Specialist underwriters may consider work a business pack excludes. We explain your business to the relevant underwriters, who decide whether they can offer cover.
Find out where your business's liability belongs.
Ring 07 3292 1111 and a broker will talk through what your business does and what a policy would leave out for that work. If a package suits it better than a policy of its own, we will say so.