How Much Does Public Liability Insurance Cost in Australia?
How much does public liability insurance cost?
Quick answerHonestly, it spans a huge range. The smallest risks we quote, a sole trader wanting public liability on its own, generally start from around $600 to $800 a year for $10 million of cover. From there the same product runs all the way up to $20,000 or more for a business whose work, size or claims history puts it at the other end. That is not us dodging the question. It is the real answer, because public liability is priced off what your business does rather than what it is called, and every insurer weighs those factors differently. These figures are indicative of what we place, not a quote, and the only way to know your number is to get a quote against your actual risk. What decides where you land is set out below, factor by factor.
We are usually the first to tell you that a price range on an insurance website is close to useless. So why give you one at all? Because the range is the point. It is not there to help you budget, it is there to show you how far apart two businesses can sit on the same product, so that you stop looking for the number and start looking at what moves it. Anyone who narrows that range for you without asking what your business actually does is guessing.
You came here for a number. Most insurance websites will give you one, usually in a tidy table with a row for each type of business and a neat monthly figure beside it. Those tables are the single most misleading thing published about this product, and here is the test that proves it. A bookkeeper working from a spare room and a roofer working at height above a busy footpath are both "small businesses". One of them may sit at the insurer's minimum premium. The other can be a five-figure risk. No table that puts them in the same row is telling you anything true.
So this page does the opposite of a price table. It tells you what the number is actually made of, so that when you do get a quote you can tell whether it is a fair reflection of your business or a lazy one. And at the end it covers the thing almost nobody explains: what happens when the price climbs to the top of that range, and what a broker does about it that buying direct or through a comparison site cannot.
Why can nobody tell you the price without asking questions first?
Quick answerBecause public liability is not a product with a price, it is a promise to pay for harm your business causes to other people, and the cost of that promise depends entirely on how likely that harm is and how expensive it could get. Two businesses with identical turnover, in the same suburb, can be priced ten times apart on the strength of what they physically do all day. Any figure quoted before those questions are asked is a guess dressed up as an answer.
There is a second reason, and it is the one that surprises people most: the insurers do not agree with each other. Every insurer builds its own view of every trade, based on the claims it has personally paid. One insurer had a bad run on a particular type of work five years ago and still prices it hard. Another has almost no claims history in that trade and prices it as ordinary. Neither is wrong. They are pricing different books of business, and that is why the same business genuinely can be quoted at very different numbers on the same day, for the same cover.
That disagreement is not a flaw in the market. It is the only real leverage a business has, and it is the reason we go to the market properly rather than accepting the first number. Where your cover sits inside a business pack, which is how most small businesses buy it, we obtain up to nine quotes on the wordings we place, so the spread between insurers is something you benefit from rather than something you never find out about. Where it does not, the point below about restructuring applies instead.
What actually decides your public liability premium?
Quick answerSeven things, and they do not carry equal weight. Turnover moves the number most, then whether your claims history is clean, then what your business physically does, what you pay subcontractors and the limit you buy. Where you work matters too, and the excess comes last, and only to a very small degree. Insurers are pricing one question through all seven: how likely is it that someone outside your business gets hurt or has their property damaged because of you, and how expensive would that be to defend and pay.
That order is how we explain the spread to a client on the phone rather than a formula, and no two insurers weigh it identically. It is still worth having, because it tells you where to spend your attention: the numbers you declare and the record behind them move your premium far more than the excess you pick at the end of the form.
What your business actually does. This is the factor owners consistently underestimate, and it is why two businesses with the same turnover can be priced a long way apart. Insurers generally classify businesses by activity rather than by industry label, because activity is what creates the risk. Working at height, hot work such as welding or cutting, working inside other people's occupied premises, handling food, working around children or the public in crowds, using heavy plant: each of these changes the picture materially. What the insurer is really asking is how often your work brings you within reach of the public or someone else's property, how badly it could go wrong, and how much the worst realistic version costs. This cuts both ways for you. Described too broadly, you pay for risks you never run. Described too narrowly, you have a claim that does not match what is on your policy, which is a far more expensive problem than a premium.
Turnover. Liability policies are commonly rated off turnover, though some use wages or a per-person basis, because turnover is the insurer's shorthand for how much activity sits behind the promise: more revenue generally means more jobs, more customers, more sites, more chances for something to go wrong. Two practical consequences follow. First, a policy priced against the turnover you declared two years ago is mispriced today if the business has grown, and not in your favour at claim time. Second, if your work is a mix of low-risk and high-risk, the split matters as much as the total, and it is worth declaring properly rather than letting the riskiest slice set the price for all of it.
What you pay subcontractors. This is the question on the form that causes the most confusion, and the one most often answered from memory. The main reason it is asked is not the one owners assume. Your public liability policy is what answers a personal injury claim brought by a subcontractor who is hurt on your job, and the annual figure you pay subcontractors is how an insurer rates that exposure. Follow it through and it makes sense. A business that engages contractors instead of employing people pays no workers compensation for them, so that injury risk does not disappear, it transfers across to the public liability policy, where a contractor hurt while working under your direction arrives as an accident injury claim against your business. Those claims are costly, which is why insurers now charge for the exposure rather than absorbing it quietly. The ordinary rating reason sits on top of that one: work you passed to someone else is still work performed in your name, on your job, that a claim can be traced back to. Two consequences are worth knowing before you buy on price. Direct insurer wordings commonly exclude personal injury to subcontractors by endorsement, while the Steadfast badged wordings we place generally cover it, particularly where those payments have been disclosed. And insurers also ask whether your subcontractors carry their own cover, because on the wordings we see an uninsured subcontractor is commonly treated differently from a properly covered one.
There is a second reason the figure matters, and it has nothing to do with price. Some insurers set a hard threshold on subcontractor payments above which they will not write the risk at all, so a figure understated to hold a premium down can place a business with an insurer that would never have accepted it. What happens next usually happens after a claim. The insurer asks for the accountant-prepared financial statements, works out that the payments to contractors were different from what was declared, and moves to reduce what it pays or to decline the claim altogether, on the basis that it would not have written the policy in the first place. It is rarely deliberate. Most owners assume that question is only about premium, because nothing in the process tells them that insurers hold specific appetites and underwriting guidelines for the business they will and will not take, or that a misstatement can reduce or defeat a claim under the Insurance Contracts Act. Declare the real figure. This question decides more than your price, which is why it has a page of its own: If a subcontractor is hurt on your job, can you be held liable?. If you run a trade business, Trades Insurance puts the whole picture together.
Where you work. Less about your postcode than about the environment a claim would be fought in. Personal injury law and the cost of running an injury claim are not identical across Australia, and insurers price for the legal environment they would be defending you in, not just the street you work on. It also matters whether your work stays close to home or travels: crossing state lines, working on sites you do not control, or doing anything outside Australia can change the territorial and jurisdictional terms of the policy, and that changes the price. If your work has spread since the policy was written, that is a conversation to have now rather than at renewal.
The limit of cover you buy. Public liability is usually offered in steps, and for the businesses we look after the steps that matter are $10 million and $20 million. Here is the part that catches people out in a good way: in our experience, doubling the limit does not double the premium, because most claims never come close to the top of a limit and insurers generally rate the upper layers more cheaply than the first. On some panels, $20 million costs no more than $10 million once you are already there. We test that at new business and again at every renewal, and in our experience it is a check few brokers run. What limit to hold, and how to work out the one your business actually needs, is set out on our public liability insurance page. The limit is also frequently not your decision: leases, head contracts, council permits, site inductions and tenders routinely specify a minimum, and if yours falls short you may not be able to take the work.
The excess. Every liability policy carries one, and lifting it lowers the premium. It is the smallest of the seven levers, though, and only moves the number to a very small degree, which is why it is a saving worth testing rather than the answer to a premium that has climbed three years running. The liability-specific thing worth checking is whether your excess applies to the cost of defending a claim as well as to any settlement, because that changes what a higher excess really costs you, and liability claims routinely generate legal costs even when nobody is ultimately paid a cent. Your schedule is where the answer lives.
There is a general test that turns the excess question from a preference into arithmetic, and it is the one we use. Take the annual premium saving a higher excess buys, multiply it by four or five years, and see whether that total would cover the extra excess payable on a single claim. If it would, the higher excess is generally the better trade. If it would not, it is not. Two things travel with that test and neither is optional. The claims history is the second half of it, not a footnote: the arithmetic only holds for a business that is not a regular claimer, and a business with a live pattern of claims is the counter-example rather than the exception. And the size of the saving is never a given, because some insurers discount a higher excess heavily and others barely move on it, so it has to be tested quote by quote rather than assumed. When a higher excess is a good trade and when it is not is set out in Why We Sometimes Recommend a Higher Excess.
Your claims history. Insurers commonly ask about the last five years, though the period varies. What moves the price is less the existence of a claim than the story it tells: a single unlucky event reads very differently from a pattern that suggests how the business runs. This is one of the few factors genuinely inside your control between renewals. One warning, because it is the trap that turns a premium question into a declined claim: proposals usually ask not just about claims made against you but about anything you know of that could still become one. If a near miss falls into that second category, it belongs on the form even though nobody has sued you. Leaving it off is how cover gets challenged later.
The mechanism behind this is the part almost nothing published explains, and it is the reason claims history sits second in the order rather than fifth. A record that is not clean does not usually arrive as a loading on your rate. It shrinks the panel. The cheaper markets, generally the underwriting agencies carrying the lower risk appetite, are the first to decline, so what you are left with is a smaller field of insurers, and the price generally rises because there is less competition left rather than because a penalty was applied to last year's number. When those markets do decline, the standalone general liability market is still open, which is the move covered below.
Is public liability insurance worth what it costs?
Quick answerThat depends entirely on whether a claim ever comes, and a single liability claim can cost many times a year's premium. One real example from our own book: a contractor we insure was paying an annual gross premium of $12,540, and one claim arising from a single job ran to $172,400 on their side of the ledger with defence costs included. That is not what a claim usually costs, and no other claim would behave the same way. It is what this one did.
A contractor we insure was sent to a job site to remove a tree. They removed it, tidied up and left. A seed from the palm tree stayed on the ground, and the tenant of the house tripped on it. That person went to a no-win, no-fee lawyer and the matter settled for $250,000. Our client was liable for half of it, and the principal who had directed them to that job carried the other half. With the cost of defending the claim included, the total on our client's side came to $172,400. Their annual gross premium was $12,540.
How that ended is the part nobody expects, and it is the part that teaches. Our client was adamant the person claiming against them was making it up, and had checked the site before leaving. We told him what was going to happen rather than what he wanted to hear: defending it would cost an enormous amount, and the insurer would most likely settle. That infuriated him, and it was still the right thing to say, because it was true. We then explained the commercial reality the insurer was working with, which is that fighting a claim of that size can cost more than settling it whatever the merits, and that carrying insurance is what puts that decision, and that cost, on somebody other than the business owner.
Two things have to be said plainly about the outcome. That was a commercial settlement, not a finding that our client did anything wrong: the insurer paid to end the matter, and our client's account of the site was never tested. And no other claim would behave the same way. Liability claims are individual, and this one is on the page to show the shape of the exposure rather than to predict a number.
There is a wider point inside it, and almost no business owner has ever considered it. A small liability claim can be commercially cheaper for an insurer to settle than to fight, and some of the people claiming understand that perfectly well. A letter of demand costs the person sending it nothing to send. Something in the range of $30,000 to $50,000 is small enough that the arithmetic of defending it rarely makes sense, and large enough to be worth asking for. None of that means a claim of that size is not genuine, and most are. It means the exposure sits there whether or not you have thought about it, and standing between it and your own money is what a liability policy is for.
What happens when the premium reaches the top of the range?
Quick answerIf your liability premium has climbed three years running, there is a move available to you that most buying channels are not set up to make. For most small businesses, public liability arrives as one section inside a packaged business insurance policy, and that package works well at the low-risk end. But packages have a ceiling. Once a business gets large enough or its work risky enough, the package either prices the liability hard or keeps pushing it up every year. At that point the answer is not to shop the same package around again. It is to take the liability out of the package and buy it on its own, as a policy in its own right, quoted directly with an insurer and underwritten on its own merits. In the trade this is called a general liability policy, and it is not something you can buy yourself: it only exists broker to insurer, which is exactly why this move is a conversation with a broker, not a search you can run on your own.
Understanding why that works means understanding what a package actually is. A packaged business policy is a pre-built product: property, contents, business interruption and liability bundled together and priced off a rating table designed to cover a wide spread of ordinary small businesses quickly and cheaply. That is genuinely a good deal when your business sits comfortably inside what the table was built for. The problem is what happens when it does not. A package cannot really think about your business. It can only apply its table, and when your activity, turnover or claims history sits at the edge of what that table expects, the table's usual answer is to charge more, and to keep charging more each year.
The clearest current example of that is plumbing. Water claims in strata complexes, where a leak in one unit runs into several others, have made the trade expensive across the market, and on the packaged platforms insurers have pulled right back from wanting to quote plumbers at all, particularly once turnover goes above about $1 million, with a lot more underwriting questions for the ones they will still look at. None of that is about the plumber in front of them. A careful operator with a clean record is paying for the losses of the trade, because a rating table has no way of telling the two apart. Above that turnover the packaged market thins out and the risk generally has to be placed by hand instead, which is the move the rest of this section is about. Plumbing is simply where it is sharpest right now, and the same pattern turns up in other trades.
A standalone general liability policy is a different thing entirely, and here is the part almost no business owner is ever told: you cannot buy one yourself, at any price. These policies are not sold on the general market the way a packaged policy is. A broker has to approach an insurer directly and put in a quote slip, a written request asking that insurer to price your specific business, addressed to its liability underwriter or to one of the specialist underwriting agencies that write this class of business on the insurer's behalf. A real person then prices your business individually, rather than a computer running it through a packaged rating table. That is also why it suits a particular kind of business rather than every business: these underwriters generally reserve their appetite for higher-risk occupations or higher-turnover businesses, and their minimum premiums generally start well above what a business pack's liability section charges, so it only makes sense once a business has genuinely outgrown the package. For a business that has, it is a different market with different appetites, and a risk that looks expensive to a packaged rating table can look perfectly ordinary to an underwriter pricing it properly. It also gives you room to shape the cover to the business rather than accepting whatever the bundle happened to include. What a standalone general liability policy actually covers, who it suits, and how we place one is set out on its own page.
There is a rough point where that market becomes properly interested, and it is worth knowing before you assume it is closed to you. Around $15,000 to $20,000 is where the real general liability market opens up, and once a premium is above about $20,000 the insurers and agencies writing this class are keen to quote it. The reason is human rather than technical. A liability underwriter can only get through so many new quotes in a day and has to choose where to spend them, and the larger premiums are where that attention goes. So a number that feels punishing at the top of the packaged range is, in the standalone market, the size of risk that attracts real competition. That is not a promise of a lower number. It is why the top of the published range behaves differently from the bottom of it.
Here is what this is and is not. It is not a discount and it is not a trick, and it does not always produce a lower number. Sometimes the honest outcome is that the restructure stops the annual climb rather than reversing it, which for a business that has watched its liability premium rise three years running is worth a great deal on its own. What it is, always, is a decision about how your cover is bought, made by someone looking at your whole position.
The part most owners never get told is this. A direct insurer sells you its own packaged product, off a shelf, at a price its system already knows. A comparison site puts the same kind of packaged product side by side across a handful of brands. Neither can sell you a standalone general liability policy at all, because there is no shelf to sell it from: as above, these are not sold on the general market, they are quoted one broker, one insurer, one business at a time. There are plenty of insurers and well over a hundred specialist underwriting agencies writing this class of business, and it is a genuinely large market, but almost none of it is visible to a business owner searching online, because nobody in it is set up to sell to the public directly. So when your liability premium is at the top end and climbing, the question worth asking is not "who else sells this package", it is "should this still be a package at all", and on the direct path there is nobody whose job it is to ask it for you, because there is nobody there who could sell you the alternative even if they wanted to.
There is a quieter version of the same problem, and it does not wait until your premium reaches the top of the range. Cover can be narrowed on the schedule itself, by an endorsement written in the language of the policy rather than the language of your job. A plumber rings an insurer, asks for liability cover, gets it, and never registers the clause limiting excavation to two metres. Two years later the same plumber is trenching at four metres, which is ordinary work for him, and the part of the business he was most worried about is the part the policy no longer covers. Nothing was hidden. It was on the schedule the whole time, written for a claims officer rather than for a plumber.
That is a large part of what a broker does with a liability policy, and it is worth asking for by name. We look for wordings that fit the work rather than endorsements that trim it, and where a restriction genuinely has to apply, we reword it into plain English and put it on your documentation at new business, at every endorsement and at every renewal. The test is simple: a restriction on your cover should be something you have read, not something you find out about at a claim.
Does public liability insurance cost different amounts in different states?
Quick answerNot because of the state line itself. Wherever you are in Australia the same seven factors decide the number, and we see no blanket loading for any one state on the covers we place. Two things do genuinely differ. Personal injury law and the cost of running an injury claim are not identical across the country, and insurers price for the legal environment they would be defending you in. And what the local economy is made of matters, because a state whose businesses skew toward trades, construction, tourism or hospitality carries more of the higher activity classes. So two similar businesses in different states can be priced differently. It is the work and the legal environment doing that, not the postcode.
The more useful question, in any state, is not what it costs but who is going to insist you have the cover, and at what limit. Whether it is legally required is answered properly on our Public Liability Insurance page. What matters for your budget is that the requirement usually arrives with a number attached, set by whoever you are working for rather than by your own view of your risk, and that number is worth knowing before you sign rather than after.
Queensland is a useful example, because so much of the work here is trade and construction based, which is exactly the kind of activity that sits higher up an insurer's scale. But the honest test for a Queensland business is the same one we would give a business in New South Wales, Victoria or anywhere else. It is not a comparison against a national average. It is whether the policy in front of you describes what your business actually does today, at a limit that satisfies the contracts you are signing, from an insurer that genuinely wants your kind of work. The same applies if your work crosses state lines, which changes the territorial terms of the policy and is worth raising before it happens rather than at renewal.
What can you actually do about the number?
Quick answerFive things move it, and none of them involve cutting the cover that matters. Describe your business accurately rather than conservatively, declare your real turnover and subcontractor payments, ask what the next limit up actually costs before you assume you cannot afford it, review the excess against how your policy treats defence costs, and get the market properly tested every year instead of letting the renewal notice roll.
Describe your business as it is now. Trades and activities drift. A business that added a service line, dropped a risky one, or stopped doing the height work it used to do is often still being priced on the old picture. Insurers cannot price what they do not know, and an out-of-date description is the most common reason a premium is wrong in either direction.
Declare the real numbers. Understating turnover or subcontractor payments to hold the premium down is the false economy of this entire product. It saves a little now and puts the response to your largest possible claim in question later, at exactly the moment you cannot afford the argument.
Ask the price of the next limit up before you rule it out. In our experience the step from $10 million to $20 million is usually a much smaller number than owners expect, and on some panels $20 million costs no more than $10 million once you are already there. It can also be the difference between qualifying for work and losing it. Ask rather than assume.
Look at the excess properly. Lifting it does lower the premium. Just check first whether your wording applies the excess to defence costs as well as settlements, because that changes the real cost of the trade.
Have the market tested every year. We remarket your policy at every renewal rather than rolling the incumbent, which is how you find out whether the insurer that priced you well two years ago still wants your trade today. Insurer appetites move constantly, and the only way to benefit from that is for someone to look. To be straight with you about our own cost: we charge a broker fee in addition to, or in place of, the insurer's commission, and whatever we are paid is shown in dollars on your invoice, as it has been since 2010. What that buys is the market search, the wording checks, the claims support and personal advice we are accountable for.
And check what a low number is actually buying. This works in the other direction too. A premium can be low because the cover behind it is narrower than the buyer realised, and it gets narrowed in the policy's language rather than in yours.
The one that does the most damage happens at the point of buying rather than at claim time. A business fills in an online form, picks the occupation that looks closest, and never realises it runs two: the trade it started in, and the second thing it now does as well. Both have to be disclosed, and generally only the disclosed one is covered. This is rarely dishonesty. A buyer does not fully understand what the questions are asking or why they are being asked, so they give it their best shot and assume that is good enough, and nothing on the screen tells them otherwise.
The rest sit on the schedule, where they are perfectly legible to a claims officer and almost invisible to an owner. Endorsements that remove cover the occupation genuinely needs. Restrictions on activities such as working at height, underground or outside, which can leave ordinary work uncovered. Limits on worker-to-worker cover for personal injury, which is the same exposure the subcontractor payments question above is rating. Blanket restricted-industry endorsements, excluding whole categories of site such as airports, ports, public utilities or mining, so one job in the wrong place can be uninsured. And efficacy exclusions, which cut off the products liability side of the cover. The check is not whether the price looks good. It is whether anything on your schedule has quietly changed what the policy is for.
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The only way to know what your public liability insurance will cost is to have your actual business priced, by someone who asks the seven questions above properly and then tests the market with the answers.
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FAQ
How much does public liability insurance cost for a small business in Australia?
The smallest risks we quote, a sole trader wanting public liability on its own, generally start from around $600 to $800 a year for $10 million of cover, and from there the same product runs to $20,000 or more at the top end. Those figures are indicative of what we place rather than a quote, and the only way to know your number is to get a quote against your actual risk. The spread is that wide because public liability is priced off what your business physically does, not what size it is. A consultant working from a desk and a contractor working at height on other people's property are both small businesses and sit at opposite ends of that range. Any table that quotes you a price without asking what you do all day is guessing.
Why do different insurers quote such different prices for the same public liability cover?
Because two different things are moving at once. The first is your own risk information, and it does not carry equal weight: turnover moves the number most, then whether your claims history is clean, then what your business actually does, what you pay subcontractors and the limit you buy, with the excess last and only to a very small degree. The second is the insurer. Each one prices your trade from the claims it has personally paid in that trade, so one that had a bad run on your kind of work several years ago will still be pricing it hard today while one with little history in it may see ordinary business, and sitting on top of that is each insurer's own appetite, its own reinsurance costs and its own targets for that particular month. Neither is wrong, they are looking at different books. There is a third part worth knowing, because it is where a claims history actually bites: a record that is not clean usually does not arrive as a loading on your rate, the cheaper markets simply decline, so the panel shrinks and the price generally rises because there is less competition left rather than because a penalty was applied to last year's number. That is why having the market tested properly matters more than the first number you are given.
Does a higher public liability limit cost much more?
In our experience, far less than people expect. Most claims never approach the top of a policy limit, so insurers generally rate the upper layers more cheaply than the first, and on some panels $20 million costs no more than $10 million once you are already there. Ask what it costs before you rule it out, particularly if your leases, contracts or tenders specify a minimum, because falling short of a contractual limit can cost you the work. How to choose the right limit is covered on our Public Liability Insurance page.
Do subcontractor payments increase my public liability premium?
Generally yes, and the reason is not the one most owners assume. Your public liability policy is what answers a personal injury claim from a subcontractor hurt on your job, and the annual figure you pay subcontractors is how an insurer rates that exposure: a business that engages contractors rather than employing people pays no workers compensation for them, so that injury risk transfers to the public liability policy, and those claims are expensive. What you passed on is also work performed in your name that a claim can be traced back to, which is the ordinary rating reason on top. Direct insurer wordings commonly exclude personal injury to subcontractors by endorsement, while the Steadfast badged wordings we place generally cover it, particularly where those payments have been disclosed. Price is only half of what this question decides. The other half is explained in If a subcontractor is hurt on your job, can you be held liable?.
My public liability premium goes up every year even though nothing has changed. Why?
Often because your cover is one section inside a packaged business policy, and the package is pricing your liability off a rating table rather than off your business. When your activity, size or record sits at the edge of what that table was built for, its usual answer is to keep charging more. For businesses in that position the question worth asking is whether the liability should still sit inside the package at all, rather than being bought on its own as a policy in its own right, underwritten by insurers who specialise in liability. In the trade that is called a general liability policy, and it is not something you can buy direct or online, because a broker has to quote it with the insurer first. Whether it is right for your business depends on the business, which is the sort of thing worth a conversation rather than a form.
Is it cheaper to buy public liability insurance direct or online?
Two things decide that, and only one of them is the price on the screen. The first is whether the business described on the policy is the business you actually run today, because an online form takes your word for that and never asks again. The second is whether the limit you selected is the limit your leases and contracts oblige you to hold, which is a question about paperwork you signed rather than about insurance, and no form is going to read it for you. A policy that is wrong on either count is not a saving, whatever it cost. The full comparison is in Direct Insurer vs Broker.
Does a claim always push my public liability premium up?
Not automatically, and not by a fixed amount. Insurers typically look back five years, and what moves the price is the story the history tells rather than the count. One unlucky event with a clear cause that was dealt with properly reads very differently from a series of similar incidents suggesting an ongoing issue with how the work is done. It is one of the few factors genuinely within your control between renewals.
Related reading
- Public liability insurance: what the cover actually does, what it pays, and the mistakes that cost businesses money at claim time.
- General liability insurance: the standalone liability policy for a business that has outgrown the packaged version, and how we place it.
- Why you cannot buy general liability insurance online: the broker-only market behind that move, and why it stays invisible to the businesses it insures.
- Trades insurance: how liability, tools and the subcontractor question fit together for a trade business.
- If a subcontractor is hurt on your job, can you be held liable?: the exposure behind the subcontractor payments question.
- Why We Sometimes Recommend a Higher Excess: how the excess trade-off works, and when a higher one is a good idea.
- Direct insurer vs broker: what the direct and comparison channels genuinely cannot do for you.
- Why use an insurance broker: the whole case, in one place.