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 Street, New Farm
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I approached Consolidated Insurance brokers online for commercial building and public liability insurance quotes. Clayton from Consolidated Insurance brokers provided a very comprehensive service. In particular he provided … More great information and followup through the whole process and until quotes were finalised. Definitely great dealing with Clayton.
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We were given Debbie’s details from a friend, business associate. Wow our experience has been nothing but the best. Debbie’s professionalism, advice, friendliness, explanations about the policies details and helpfulness has … More made the process of changing insurance brokers and companies so easy. We have no idea why we never found her sooner. We would highly recommend Debbie from Consolidated Insurance Brokers to any person, small and big business. You won’t be disappointed I can assure you. Thanks Debbie for everything regards Wade and Wendy
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Thank you Jade cooper and the team at Consolidated Insurance Brokers for a job well done, With time restraints and other commitments and challenges, I attempted to secure a immediate commercial insurance policy, As time was … More running out on my current policy , we were all under pressure to secure the cover as it was already Friday afternoon. Once all the accurate information and details were exchanged and confirmed,Payment was secured with a credit card. Mission Accomplished.Thank you Jade and all of the Team. Until next year,, GB..
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Have been using Consolidated Insurance Brokers for years now and they have always came through with a great deal. The customer service from Debbie Blanco has always be amazing and a delight to speak to. Highly recommend ! … More
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Debbie helped me with getting BI and Public Liability Insurance. When the total amount was quite a bit more than the previous years, Debbie went the extra mile to look for the best coverage and deal for our business. Highly … More recommend Debbie for your insurance needs!
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.
