Public Liability Insurance

Public Liability insurance covers you for expensive legal fees and compensation costs if a liability claim is brought against you.

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.

Two women meeting for public liability insurance mediation

What can be covered

What may not be

CIB staff | Consolidated Insurance Brokers

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 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 admin.

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. 

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.

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Our Specialty

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.

Great advice

As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

Your partner

We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

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.

What our Customers Say

109 James Street, New Farm

5.0 246 reviews

  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

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