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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 a broker from our national partner network. Simply enter a single quote request via this website to be referred to a participating broker who can help you compare public liability insurance options and premiums available through their panel of insurers.

Compare cover options and competitive rates

  • Competitive Rates
  • Multiple Insurers
  • Compare Options
  • Personal Advice
  • Professional Service
  • Tailored Cover

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Public Liability Insurance

Public liability insurance is a type of liability insurance that can cover individuals and businesses against legal liability for property damage and bodily injury to others. It can also cover associated legal and professional costs in defending a claim, subject to policy terms, limits and exclusions. 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 participating broker and access competitive public liability insurance quotes. You can also ask the broker about other liability insurance needs, including 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 and landlords liability insurance, subject to the broker's services and available cover.

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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, your enquiry is referred to a licensed insurance broker from our national referral panel. Participating brokers are required under our network terms to offer comparison options from multiple insurers relevant to their services.

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Insurance Calculators

Need some help estimating 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 financial product advice or claims assistance directly. Your enquiry is referred to a participating licensed insurance broker from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request. Quote comparisons, claims assistance and personal advice may be provided by that broker within the scope of their services and authorisation.

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Broker Matching

A participating business insurance broker from our referral panel is allocated your enquiry using the information you provide in your public liability insurance quote request. Allocation may take account of your selected enquiry category, geographic service area, broker availability and bidding settings; it is not a recommendation of a financial product. 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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Public Liability Insurance Calculator

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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.

Frequently Asked Questions


    Insurance News

    Why Stronger Insurer Results Do Not Mean Liability Risk Has Gone Away
    Why Stronger Insurer Results Do Not Mean Liability Risk Has Gone Away
    16 Sep 2026: Paige Estritori
    Fresh industry attention on APRA's general insurance performance data points to a healthier overall insurance sector, with stronger premium revenue, improved investment conditions and more stable underwriting outcomes across parts of the market. For small business owners, that may sound like welcome news after several years of rising premiums and tighter insurer scrutiny. - read more
    Why Claims Handling Scrutiny Matters for Liability Cover
    Why Claims Handling Scrutiny Matters for Liability Cover
    09 Sep 2026: Paige Estritori
    Fresh scrutiny of general insurance claims handling has again put the spotlight on how policies perform when customers need them most. While much of the public discussion often centres on household claims, the same service and documentation issues can become critical for small businesses facing a third-party injury or property damage allegation. - read more
    What NSW Insurance Levy Reform Means for Business Cover
    What NSW Insurance Levy Reform Means for Business Cover
    02 Sep 2026: Paige Estritori
    New South Wales’ move to shift emergency services funding away from insurance premiums has put business insurance affordability back in the spotlight. For small business owners, tradies, hospitality operators and event organisers, the change is welcome in principle: levies and taxes can add noticeably to the total cost of holding cover, especially when several policies are bundled together. - read more
    Why Easing Insurance Prices May Not Mean Easier Liability Cover
    Why Easing Insurance Prices May Not Mean Easier Liability Cover
    26 Aug 2026: Paige Estritori
    Fresh commercial insurance market commentary suggests Australian businesses may be seeing more favourable conditions in some parts of the insurance market, but that does not mean liability cover has become simple, automatic or uniformly cheaper. For small business owners, tradies, contractors, venues and event organisers, the message is clear: public-facing risk still needs careful attention. - read more
    Why Claims Inflation Still Matters for Public Liability Cover
    Why Claims Inflation Still Matters for Public Liability Cover
    19 Aug 2026: Paige Estritori
    Fresh industry commentary on Australia’s commercial insurance market points to an important distinction for small businesses: easing conditions in some insurance classes do not necessarily mean liability risks are becoming cheaper or simpler to manage. Long-tail casualty lines, including public liability insurance, remain exposed to legal costs, medical expense inflation, higher settlement expectations and the time it can take for claims to fully develop. - read more
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    Business Insurance Articles

    The Role of Liability Insurance in Managing Contractor and Supplier Risks
    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
    What Is a Public Liability Insurance Certificate of Currency?
    What Is a Public Liability Insurance Certificate of Currency?
    A public liability insurance certificate of currency is proof that your policy is in force at a point in time. Businesses may need one for contracts, tenders, worksites, leases, events, markets or council approvals, but it is not the same as reading the full policy. - read more
    Essential Public Liability Coverage for Gym and Fitness Center Owners
    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 Essential Role of Insurance in Protecting Your Small Business
    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
    Understanding Public Liability Insurance for IT Consultants: Risks and Mitigation
    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

    Knowledgebase
    No-Fault Insurance:
    A type of car insurance where your insurer pays for your damages regardless of who is at fault in an accident.

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    IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. 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 independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.