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.

I moved my insurances to Consolidated brokers because I received the best service one could ask for. (...) reassured that me and my company will be in good hands. see more
TOP BROKERAGE 2022 & 2023
The resource of choice for the country’s most forward-thinking insurance professionals.
TOP BROKERAGE 2022 & 2023
The resource of choice for the country’s most forward-thinking insurance professionals.

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Consolidated Insurance Brokers make getting 9 public liability insurance quotes fast, simple and easy.

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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.

Two women meeting for public liability insurance mediation

What can be covered

What may not be

Get started with Public Liability Insurance

Don’t risk your business and livelihood to a direct insurer who only provide general advice.

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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

5.0 475 reviews

  • Avatar Jen Gower ★★★★★ in the last week
    Jim was able to negotiate a much lower premium than my previous insurer (with better cover). His advice and communication was clear and straightforward. Highly recommend his service.
  • Avatar Roelie Schrijnders ★★★★★ a week ago
    We have dealt with Tracey on several occasions, and each and every time she has been such a pleasure to deal with. Always helpful, positive and everything provided in a timely manner. She follows up where needed and usefull … More without ever being pushy.
  • Avatar Parthesh Patel ★★★★★ 4 weeks ago
    I have been dealing with Debbie Blanco in Consolidated Insurance Brokers. She has always been very helpful with any query or questions. I would highly recommend her for excellent customer service, product & service knowledge, … More prompt in responding, great in communication, and always comes up with competitive insurance deals / prices.
  • Avatar Carmel Drake ★★★★★ a month ago
    Our business insurance has been handled by Consolidated Insurance Brokers for many years now. This year Aimee Spencer made our yearly renewal very easy with her guidance in our understanding of exactly what was covered and … More included with each Company's different Quotes. Appreciated .... thank you!
  • Avatar Tina B ★★★★★ a month ago
    We've been using Consolidated Insurance Brokers for quite a few years now. I would certainly recommend them to everyone. Whenever I have a question, nothing is too much trouble. From my original working with Sheryll, … More to more recently with William and now our recent working with Karen with a claim that we needed to make. She was there every step of the way for us, answered all my questions and provided guidance for us. And she coordinated with our insurance company. As I said, we would not hesitate to recommend, very professional all the way. (Montezuma's Ipswich)

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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.

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