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Public Liability Insurance Online is a proud member of the Financial Services Online network, owned and operated by Clark Family Pty Ltd, A.C.N. 010 281 008 and we are committed to helping Australian individuals and businesses locate the best financial products, services, information and advice available via the internet.

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Business Insurance Articles

A Beginner's Guide to Public Liability Insurance: Protecting Your Business
A Beginner's Guide to Public Liability Insurance: Protecting Your Business
Imagine you own a cozy café where people flock for their morning coffee and a slice of solace. Now picture a customer slipping on a wet floor and sustaining an injury. Incidents like this, as unfortunate as they are, can occur in any business setting and often result in legal claims that can be financially draining. This is where public liability insurance becomes a cornerstone for safeguarding your business. - read more
Navigating Public Liability Insurance for Event Organizers: A Must-Read Guide
Navigating Public Liability Insurance for Event Organizers: A Must-Read Guide
Event organizing can be an exhilarating adventure, teeming with creativity and collaboration. However, with the buzz of activity and the gathering of crowds comes a significant responsibility to ensure the safety and well-being of attendees, staff, and the venue itself. This is where Public Liability Insurance becomes a pivotal part of an event organizer's toolkit. - read more
Why Retail Store Owners Can't Afford to Skip Public Liability Insurance
Why Retail Store Owners Can't Afford to Skip Public Liability Insurance
As the owner of a retail store, you may not realize that the day-to-day interactions with customers and the public pose significant financial risks. Whether it's a customer slipping on a wet floor or a product causing harm, the threat of negligence claims is all too real. This is where Public Liability Insurance becomes not just a safety net, but a fundamental necessity for your business operations. - read more
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
How to Choose the Right Public Liability Insurance Policy for Your Business
How to Choose the Right Public Liability Insurance Policy for Your Business
When it comes to running a business, safeguarding your financial well-being against unforeseen events is crucial. Public Liability Insurance (PLI) is designed to protect your business from the financial risks associated with claims of property damage, personal injury, or death caused to third parties due to business activities. Understanding this shield of security is the first line of defense in a world where accidents and mishaps are not just possible but often probable. - read more

Insurance News

QBE Under Scrutiny for Misleading Discount Practices
QBE Under Scrutiny for Misleading Discount Practices
11 Oct 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has initiated legal action against QBE Insurance, alleging that the insurer misled over 500,000 customers regarding promised discounts on various insurance products. This development underscores the critical importance of transparency and accuracy in the insurance sector, particularly concerning pricing and customer communications. - read more
Upcover's New Management Liability Insurance: A Boon for SMEs
Upcover's New Management Liability Insurance: A Boon for SMEs
11 Oct 2025: Paige Estritori
In a significant development for small and medium-sized enterprises (SMEs) and sole traders across Australia, Sydney-based insurtech company Upcover has unveiled a new management liability insurance product. This offering is designed to provide comprehensive protection against a range of risks, including employment disputes, official investigations, tax audits, financial crimes, statutory liabilities, and allegations of legal breaches. - read more
APRA's Findings: Stability in PI Claims Amid Declining Premiums
APRA's Findings: Stability in PI Claims Amid Declining Premiums
11 Oct 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has released its latest National Claims and Policies Database report, providing insights into the professional indemnity (PI) insurance sector. The data indicates that while claims payments for non-facility business remained relatively stable at $1.111 billion in the 2022 underwriting year, there was a notable 6% decline in gross written premiums, which fell to $2.775 billion from the previous year's $2.954 billion. - read more

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Proximate Cause:
The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.