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Protect Your Business Public Liability Insurance

Public Liability Insurance Online is a free public liability insurance quote referral service that connects you with specialist brokers from our national panel. Simply enter a single quote request via this website to compare public liability insurance options and premiums from participating broker partners.

Compare cover options and competitive rates

  • Competitive Rates
  • Multiple Insurers
  • Compare Options
  • Personal Advice
  • Professional Service
  • Tailored Cover

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Public Liability Insurance

Liability insurance (also known in Australia as public liability insurance) is an insurance cover for individuals and businesses to indemnify against the financial implications of property damage and bodily injury to others. Liability insurance also includes cover for associated legal and professional costs in defending a claim. When you request a public liability insurance quote through this site, your enquiry is referred to a licensed insurance broker who will contact you directly; we do not provide personal financial advice ourselves and may receive a referral fee for the introduction.

Competitive rates

Simply complete our short online quote request form to be connected with a specialist broker and access competitive public liability insurance quotes, including (but not limited to) business liability insurance, employer liability insurance, directors and officers liability, product liability insurance, contractors liability insurance, trades liability insurance, property liability insurance, broadform liability insurance, landlords liability insurance, etc.

Compare Options

Because public liability insurance policies can differ, a licensed broker we refer you to can help you compare features, benefits and costs — not just price — and outline public liability cover options that may suit your needs and budget. Any product or personal advice is provided by the broker, not by this website.

Multiple Insurers

When you submit an online quote request with us, we use your answers to select a licensed insurance professional from our national broker referral panel who is suited to your business, location and cover requirements.

Insurance Calculators

Need some help calculating your public liability insurance sum insured and limits? Try our Public Liability Insurance Calculator to make the job quick and easy!

Make Informed Decisions

Visit our extensive library of informative Public Liability Insurance Articles, the latest Insurance Online News, and listen to the latest episode of our News Podcast to stay in the loop with what's happening, why it matters to you, and some key takeaways you can use. Information and tools on this site, including our calculators, articles, news and podcasts, are general in nature and do not take into account your objectives, financial situation or needs.

Personalised Service

Public Liability Insurance Online does not provide personal financial advice or claims assistance directly. All enquiries, including quote comparisons, claims assistance and any form of personal advice, are provided by a licensed specialist broker, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.

Broker Matching

A specialist business insurance broker from our referral panel will be matched to your enquiry based on your location, cover requirements and the information you provide in your public liability insurance quote request. All quotes, advice and assistance are provided by that broker directly, not by this website, so it is important that you provide complete and accurate answers when you submit your enquiry.

Public Liability Insurance Calculator

Public Liability Insurance Calculator image

Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

Frequently Asked Questions


    Insurance News

    Why Easing Insurance Prices May Not Mean Easier Liability Cover
    Why Easing Insurance Prices May Not Mean Easier Liability Cover
    26 Aug 2026: Paige Estritori
    Fresh commercial insurance market commentary suggests Australian businesses may be seeing more favourable conditions in some parts of the insurance market, but that does not mean liability cover has become simple, automatic or uniformly cheaper. For small business owners, tradies, contractors, venues and event organisers, the message is clear: public-facing risk still needs careful attention. - read more
    Why Claims Inflation Still Matters for Public Liability Cover
    Why Claims Inflation Still Matters for Public Liability Cover
    19 Aug 2026: Paige Estritori
    Fresh industry commentary on Australia’s commercial insurance market points to an important distinction for small businesses: easing conditions in some insurance classes do not necessarily mean liability risks are becoming cheaper or simpler to manage. Long-tail casualty lines, including public liability insurance, remain exposed to legal costs, medical expense inflation, higher settlement expectations and the time it can take for claims to fully develop. - read more
    Claims Code Reform Keeps the Spotlight on Liability Cover
    Claims Code Reform Keeps the Spotlight on Liability Cover
    12 Aug 2026: Paige Estritori
    Renewed attention on reforms to Australia's General Insurance Code of Practice is a useful reminder that the quality of an insurance policy is tested most clearly when a claim is made. For small businesses, sole traders, tradies and event organisers, that moment can be stressful, time-sensitive and financially significant, especially where a customer, supplier or member of the public alleges injury or property damage. - read more
    What the Latest SME Insurance Index Means for Liability Cover
    What the Latest SME Insurance Index Means for Liability Cover
    04 Aug 2026: Paige Estritori
    Vero’s latest SME Insurance Index has put a familiar small business challenge back in focus: many Australian operators know insurance is essential, but still find it difficult to judge whether their cover matches the risks they face. For businesses with public interaction, contractors, deliveries, site visits or customer premises exposure, that uncertainty can be especially costly if a third-party injury or property damage claim arises. - read more
    Insurance Complaints Are a Reminder to Prepare Before a Claim
    Insurance Complaints Are a Reminder to Prepare Before a Claim
    28 Jul 2026: Paige Estritori
    Recent complaint trends reported by the Australian Financial Complaints Authority have again put insurance claims service under the microscope. While much of the public attention often falls on home, motor and disaster-related cover, the message is just as relevant for small business owners: the moment a claim occurs is not the time to start working out what your policy requires. - read more
    Business Insurance Articles

    The Difference Between Public Liability and Other Insurances Explained
    The Difference Between Public Liability and Other Insurances Explained
    Public liability insurance is designed to protect businesses against claims made by the public for injuries or damages that occur in connection with the business operations. It covers legal fees, medical expenses, and compensation costs that may arise if a customer or a member of the public is injured or property is damaged as a result of the business activities. - read more
    Understanding Public Liability Insurance for IT Consultants: Risks and Mitigation
    Understanding Public Liability Insurance for IT Consultants: Risks and Mitigation
    Public Liability Insurance acts as a shield for businesses, and for IT consultants, it's a safeguard against the unforeseen legal costs and compensation payments arising from third-party claims. As professionals who offer expert advice and services, IT consultants face unique risks that can lead to liability claims. Having public liability insurance not only provides a financial safety net but also serves as a testament to the consultant's responsibility and professionalism. - read more
    The Role of Public Liability Insurance in Protecting Hospitality Venues
    The Role of Public Liability Insurance in Protecting Hospitality Venues
    Public liability insurance serves as a critical safety net for event organizers, often seen as a robust shield safeguarding against potential financial repercussions arising from unforeseen incidents. In the dynamic atmosphere of events, where a multitude of variables come into play, this insurance plays a fundamental role in ensuring the stability and continuance of the host's operations. - read more
    A Guide to Public Liability Insurance for Construction Businesses
    A Guide to Public Liability Insurance for Construction Businesses
    When embarking on a construction project, the potential for unexpected incidents and the associated liabilities cannot be ignored. Navigating through the intricate world of insurance might seem daunting, but understanding public liability insurance can save your business from financial peril. In the ever-evolving landscape of Australian construction, its significance cannot be overstated. - read more
    The Role of Liability Insurance in Managing Contractor and Supplier Risks
    The Role of Liability Insurance in Managing Contractor and Supplier Risks
    Engaging with contractors and suppliers is an integral facet of many business operations, fostering growth and expansion. However, with this collaboration comes inherent risks that can impact a business financially and legally, should any unexpected incidents arise. It is here that liability insurance steps in as a cornerstone of risk management, safeguarding businesses from potential pitfalls associated with these partnerships. - read more

    Knowledgebase
    Grace Period:
    A time period after the premium is due during which an insurance policy remains in force even if the premium has not yet been paid.