Public Liability Insurance
If you own a business, you need fit for purpose public liability insurance to protect your livelihood. Public Liability Insurance provides protection against causing damage to other people and their property.
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
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What is Public Liability Insurance?
Public liability insurance covers you for claims including bodily injury or damage to property, which can be incredibly expensive (often hundreds of thousands to millions of dollars).
Unfortunately, these types of claims are on the rise — increasing the likelihood of you facing a lawsuit.
This kind of protection is important because even accidents or unforeseeable events can result in you and your business being found legally liable – and the costs of being sued can be extraordinarily high.
What can be covered
- Compensation costs
- Claims arising from products
- Employee negligence
- Legal expenses
- Loss or damage of property in your care
What may not be
- Costs of rectifying faulty workmanship or products
- Claims arising from professional advice
- Claims made by employees
- Product recall costs
Get started with Public Liability Insurance
Don’t risk your business and livelihood to a direct insurer who only provide general advice.
Public Liability claim example
The offshore manufacturer of George’s sunscreen accidentally contaminates the product with chemicals that cause customers to break out in a painful rash.
They file a class suit against George for compensation for the injury. Luckily, George’s public liability insurance covers him for the costs of going to court and the damages awarded to the customers, so he isn’t out of pocket.
Even though the recall costs aren’t covered by his public liability, the costly damages and legal fees were. His business is able to rectify the issue and continue operating.
Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James St, New Farm
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Debbie from Consolidated Insurance Brokers has been absolutely amazing! She made the entire process so easy from start to finish — professional, friendly, and always quick to respond. Debbie took the time to explain everything … More clearly and made sure my partner got the best cover for his needs. It’s rare to find someone who genuinely cares about their clients the way she does. Highly recommend Debbie and the team at Consolidated Insurance Brokers!
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I want to share my extremely satisfied experience with Tracey Friedland with Consolidated Insurance Brokers. Tracey is really taking her time in explaining everything to me. My partner and I were starting a new business, … More she helped us to find the right company insurance, practice insurance and lead me with the right direction to seek workers comp cover. She is gentle and not constantly nagging me to commit at any stage. Since it took a couple of months to find the right product, she is always patience and make timely response to all the emails. She managed to find a very good deal for us at the end. I will have not doubt I will recommend Tracey to my friends and colleagues!
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We recently worked with Alison to secure insurance for our commercial character building, which includes multiple tenancies, and we couldn’t be more impressed. Alison went above and beyond to ensure we had the right coverage … More tailored to the unique nature of the property. Her attention to detail, responsiveness, and genuine care made the entire process seamless and reassuring. She took the time to understand our needs and provided expert guidance every step of the way. Highly recommend Alison for anyone seeking professional, thorough, and personalised insurance support.
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I had the pleasure of working with Aimee Spencer at Consolidated Insurance Brokers, and I couldn’t be more impressed. Aimee is extremely professional and consistently provides prompt responses to all queries and requests. … More She goes above and beyond to ensure a smooth and successful transaction, making the entire process hassle-free. It's rare to find someone so dedicated and knowledgeable in the industry. Highly recommend Aimee for anyone looking for top-notch service!
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Thank you so much Clayton Rowlings.Professional, friendly and works to get you the best outcome. Not only saved m $1900 a year on fees, but when I needed to use the insurance, it was sorted quickly and with a great result. … More Happy to recommend to any sole trader or small business
How can we help?
With access to a range of quality insurers, and policies not available to the public, we can offer you a range of fit for purpose competitive public liability insurance quotes.
Public liability insurance is available standalone or as part of a business insurance pack, combining your covers under one policy to save costs and time.
We’ll help you understand and compare your options, so you can choose what’s best for you. For every new business quote and renewal, we break down all important changes and comparisons for you in plain English.
Direct insurers do not give advice, and only sell products. They will sell you a policy that is not fit for purpose to your business. Don’t risk your business and livelihood to a direct insurer who only provide general advice.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
While public liability insurance isn’t required for all businesses by law, it’s often required for licence-holders in certain occupations. Construction and trades are the most common example. In many states, builders, plumbers and electricians must have Public Liability insurance.
While not legally required, many construction and government worksites will require proof of insurance for employees and contractors as a condition of work. Markets also usually require stallholders to have their own public liability insurance.
No, they’re different and the two covers are frequently taken out together.
Public liability provides cover for claims from bodily or property damage to a third party. Professional indemnity provides cover for professional advice and services, like faulty workmanship, inaccurate advice or errors and omissions.
No Obligations, Completely Free
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Talk today with our team to find the right kind of insurance that will suit your needs.