Public Liability Insurance Online Public Liability Insurance Calculator

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.

Public Liability – Limit Recommendation Calculator

This tool helps you choose an appropriate limit of liability (e.g., $5m, $10m, $20m) based on your business exposure and any contractual requirements. It does not estimate premiums.

Business profile

Industry

Annual turnover ($)

No. of staff (FTE)

Public/visitor exposure How often members of the public are on your premises or you work at public sites.

Contracts & requirements

Required by contract/landlord (optional) Pick the highest requirement you face (tenancy, council, head‑contract).

Exports to USA/Canada? USA/Canada exposures often push limits higher.

Exposure factors

High‑risk activities

Use subcontractors? Contractual/privity gaps may increase recommended limits.

Single‑loss property damage exposure (optional) Largest third‑party property you could damage in one event (client facility, mall, data centre etc.).

Claims in last 5 years?

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Business Insurance Articles

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

Protect Your Construction Business: The Importance of Adequate Liability Coverage

Operating within the construction industry involves managing an intricate web of risks and liabilities daily. Public liability insurance stands as one of the core safeguards to protect businesses from potential financial pitfalls that may arise from these risks. - 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

The Importance of Public Liability Insurance in Protecting Your Business

Public liability insurance is a type of coverage designed to protect business owners against claims made by third parties for injuries or damages that occur in connection with business operations. - read more

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

Insurance News

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

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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Knowledgebase

Moral Hazard:
The concept that individuals may take on more risk when they do not bear the full consequences of that risk, often relevant in insurance scenarios.

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