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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.

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Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. 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.

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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.

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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.

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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.

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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!

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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.

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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.

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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.

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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

Common Public Liability Risks You Might Be Overlooking

Public liability insurance is a critical form of coverage that protects businesses against claims of injury or damage caused by their operations to members of the public. Its primary purpose is to cover legal costs and compensation payments, which can otherwise cripple a business financially. - read more

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

Essential Public Liability Coverage for Gym and Fitness Center Owners

Running a gym or fitness center comes with unique responsibilities, especially when it comes to providing a safe environment for clients. In this dynamic space, where individuals engage in activities that may pose risks, it is imperative for gym owners to understand the importance of public liability insurance. This type of coverage is a cornerstone for safeguarding your business against claims arising from accidental injuries or property damage to third parties. - read more

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

Insurance News

Australian Insurers Face Challenges in Risk Preparedness

23 Jan 2026: Paige Estritori

Recent findings from the PwC Insurance Banana Skins Survey reveal that Australian insurers are trailing behind their global counterparts in risk preparedness. The survey, which gathered insights from 698 insurance executives across 42 territories, indicates that Australian insurers scored 6.6% lower on the Preparedness Index compared to the global average. - read more

Surge in Profits for Australian Insurers Following Premium Increases

23 Jan 2026: Paige Estritori

Australia's insurance sector has reported a substantial after-tax profit of $6.1 billion for the year 2024, according to KPMG's annual review. This figure is three times higher than the five-year average of $2 billion, highlighting a significant financial upturn for the industry. - read more

Significant Premium Increases Reported by Australian Insurers

23 Jan 2026: Paige Estritori

Consumer advocacy group Choice has released a report indicating that several Australian insurers have implemented substantial increases in home insurance premiums over the past year. Notably, Kogan, RAC, and Honey have raised their average premiums by more than 30%, significantly outpacing the industry average increase of 16%. - read more

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

07 Jan 2026: 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

Soaring Insurance Premiums Threaten Australia's Leisure and Recreation Industry

07 Jan 2026: Paige Estritori

The Australian Amusement Leisure & Recreation Association (AALARA) has raised concerns over the escalating costs of public liability insurance, which are placing significant pressure on amusement and recreation operators across the country. This warning follows the Insurance Council of Australia's (ICA) recent call for reforms to civil liability laws. - read more

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Knowledgebase

Subrogation:
An insurance carrier may reserve the "right of subrogation" in the event of a loss. This means that the company may choose to take action to recover the amount of a claim paid to a covered insured if the loss was caused by a third party.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.