Public Liability Insurance Online Income Protection Insurance Calculator

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Simply enter your personal gross income in the space below, select the frequency that you receive your current income and press [calculate] to determine the amount of cover you qualify for.

* Notes:

Most insurers limit the amount of income insurance that you can buy to 75% of your gross income.
If you are self-employed or operate your own business you may qualify for additional cover and benefits.
Your Gross Income figure should represent only your income from personal exertion, not investment income.
This calculator is provided as a rough guide only. You should seek professional advice from a licensed income insurance specialist before making decisions relating to something as important as income protection insurance!

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Business Insurance Articles

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

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

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

The Essential Role of Insurance in Protecting Your Small Business

Running a small business in Australia comes with its own set of unique challenges. From managing cash flow to dealing with unexpected setbacks, the road to success can often be bumpy. Many small business owners find themselves constantly adapting to changing market conditions, customer demands, and economic pressures. - read more

The Business Owner's Guide to Calculating Adequate Public Liability Coverage

For any business owner, navigating the waters of legal and financial protection can be daunting. Public liability insurance is a lifeboat in this respect; by understanding its basics, businesses can better shield themselves against the unpredictable tides of liability claims. As a starting point, public liability insurance is designed to protect businesses in the event that a third party suffers an injury or property damage due to the business's operations. - read more

Insurance News

ICA Advocates for Overhaul of Civil Liability Laws Amid Rising Insurance Premiums

19 Oct 2025: Paige Estritori

The Insurance Council of Australia (ICA) has recently released a white paper highlighting the urgent need for reforms to state and territory civil liability laws, which have remained largely unchanged for nearly 25 years. These outdated laws are contributing to significant increases in public liability insurance premiums, affecting a wide range of businesses across the nation. - read more

Australian Businesses Demand National Action on Rising Insurance Costs

19 Oct 2025: Paige Estritori

In response to escalating insurance premiums, Australian businesses are calling for a coordinated national reform agenda to alleviate the financial pressures associated with obtaining adequate coverage. A recent report produced jointly by the Australian Chamber of Commerce and Industry (ACCI) and the Insurance Council of Australia (ICA) highlights the urgent need for comprehensive reforms to address the challenges faced by small and medium-sized enterprises (SMEs). - read more

APRA Reports Significant Increase in Public Liability Insurance Premiums

19 Oct 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has released its latest National Claims and Policies Database (NCPD) statistics, revealing a substantial increase in public liability insurance premiums over recent years. According to the data, premiums have risen by 40% since 2015, a rate that surpasses general inflation and places additional financial strain on businesses across the country. - read more

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

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

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Knowledgebase

Liability Insurance:
A type of insurance that provides protection against claims resulting from injuries and damage to people and/or property.

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