What is Public Liability Insurance?
If you interact with the general public as part of running your business, there’s always a risk an accident could happen. If a customer trips on an item at your business premises, or an employee damages customer property, you could be legally liable to pay compensation.
Public Liability Insurance, included under our Public and Products Liability Insurance, covers your business if a member of the public is injured or has their property damaged during the course of your work, or while using your products or services. It covers compensation you’re liable to pay and your reasonable legal fees incurred to defend a claim against you.
What our Public and Products Liability Insurance covers
Public Liability Insurance, included under our Public and Products Liability Insurance, covers your business if a member of the public is injured or has their property damaged during the course of your work, or while using your products or services. It covers compensation you’re liable to pay and your reasonable legal fees incurred to defend a claim against you.
This cover is automatically included when you buy a Business Insurance Pack online with us. For a quote without Public Liability cover, contact our Australian-based Business team on 1300 131 000.
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What’s covered
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What’s not covered
Do you need Public Liability Insurance?
If you interact with the public in the course of your business activities, Public Liability Insurance can help protect you if you become liable to pay compensation for injury to third parties, or damage to their property as a result of your business activities, or while using your product or service.
Even if you’re not at fault, you may still have to pay legal costs. Public Liability Insurance can cover reasonable legal costs you incur in defending a claim.
The list of industries exposed to Public Liability claims is extensive including tradies, retailers, professional service providers, health and beauty professionals, real estate and more.
Make sure you get the right level of cover
Flexible cover limits
Risks for business owners
Personal injury can occur from something as simple as a trip or fall on your business premises and from day-to-day occurrences in relation to your business activities.
The following types of personal injury suffered by a third party could be covered by our Public and Products Liability cover:
- Bodily injury, death, sickness, disease, shock, fright, mental anguish, mental injury or loss of consortium
- False arrest, false detention, wrongful imprisonment, malicious prosecution or malicious humiliation
- Discrimination as a result of race, religion, sex, marital status, age, intellectual impairment, disability or otherwise
- Wrongful entry or wrongful eviction or other invasion of privacy
- Defamation, libel and slander.
Exclusions apply, as covered in the PDS.
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Frequently asked questions
If you’re a sole trader, contractor or freelancer who interacts with the general public on a regular basis, you could have a claim for damage or injury brought against you by a third party if an accident were to happen.
Without Public and Products Liability Insurance, you could be required to cover the costs of the third party as well as funding your own legal defence.
As a sole trader or contractor, you may also be requested to show proof of Public and Products Liability Insurance before entering a new contract, workplace or site.
Yes, you can buy Allianz Public and Products Liability Insurance on its own under a Business Insurance Pack policy.
However, if you’d like to insure against other risks to your business, such as damage to your business vehicle or specialist equipment you may travel with, you can also add other small business insurance covers to your Business Insurance Pack policy when you purchase your Public and Products Liability cover.
If you’ve selected Public and Products Liability cover, and provided details of your business location, cover can be provided to your home or mobile business.
Public Liability can insure your business against claims of negligence from clients or suppliers who visit your home. For example, if you run a home-based hair salon and a client comes to your home, trips on a power cord, and hurts themself.
Every business is unique and it’s impossible to predict how much compensation you may become liable to pay in the case of an incident.
Cover of $5 million may be sufficient for a small business with low risk exposure. However, a higher limit may be required depending on the conditions of a contract you may be entering into.
If you’re unsure how much cover you may need, you could search the conditions of your business or trade license, landlord, council, worksite, or primary contractor to ensure you have the appropriate cover.
Depending on your circumstances, you may wish to consider setting a higher limit of cover for when something goes wrong.
Allianz offers flexible limits of $5M, $10M or $20M to choose from.
Public Liability relates to a member of the public being injured or having their property damaged resulting from, or relating to, your work. For example, a customer visiting your premise, tripping on a wet floor, and injuring themself.
Products Liability relates to injury to a person, or damage to their property, caused by any products you manufacture, distribute, supply, or sell.
Allianz Public Liability Insurance, also known as Public and Products Liability Insurance, automatically includes both public liability and products liability under one convenient cover.
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- Pay by the month (Payment instalments)
Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.