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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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All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

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

Common Public Liability Risks You Might Be Overlooking
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
Protect Your Construction Business: The Importance of Adequate Liability Coverage
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
Top Mistakes to Avoid When Choosing Public Liability Coverage
Top Mistakes to Avoid When Choosing Public Liability Coverage
Public liability insurance stands as a crucial safeguard for businesses, shielding them from the financial repercussions of legal claims. These claims can arise when members of the public suffer damages or injuries in connection with a business's operations. Understanding the basics of this coverage is not just a matter of legal compliance for many businesses, but a proactive step in asset protection. - read more
5 Things Every Restaurant Owner Needs to Know About Public Liability Insurance
5 Things Every Restaurant Owner Needs to Know About Public Liability Insurance
Every restaurant owner needs to be familiar with the term 'public liability insurance'. This type of insurance is designed to protect your business financially in case a customer or a member of the public suffers an injury or property damage as a result of your business operations. In a bustling restaurant environment, accidents can happen—the risk of slips, spills, and other mishaps is ever-present. - read more
A Beginner's Guide to Public Liability Insurance: Protecting Your Business
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

Insurance News

ICA Advocates for Overhaul of Civil Liability Laws to Curb Rising Insurance Premiums
ICA Advocates for Overhaul of Civil Liability Laws to Curb Rising Insurance Premiums
24 Feb 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
Liberty Adds 'Safe Harbour' Insolvency Cover to D&O Policies
Liberty Adds 'Safe Harbour' Insolvency Cover to D&O Policies
24 Feb 2026: Paige Estritori
Liberty Specialty Markets has announced the addition of a company insolvency extension to its Australian directors' and officers' (D&O) liability policies. This innovative feature is designed to support companies and their directors by covering reasonable costs incurred when engaging approved advisers under the 'safe harbour' insolvency regime. - read more
APRA Reports Significant Underwriting Gains in Short-Tail Insurance
APRA Reports Significant Underwriting Gains in Short-Tail Insurance
24 Feb 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has released data indicating a substantial underwriting profit of $1.55 billion in short-tail insurance lines for the September quarter. This marks a notable improvement in the sector's performance, with householders insurance contributing $636 million to the overall profit. - read more
NSW Court Decision Escalates Liability Risks for Construction Industry
NSW Court Decision Escalates Liability Risks for Construction Industry
16 Feb 2026: Paige Estritori
A recent landmark ruling in New South Wales has significantly altered the liability landscape for the construction industry. The court's decision removes the ability for developers and builders to rely on proportionate liability defences under the Design and Building Practitioners Act 2020 (DBP Act), thereby increasing their exposure to claims related to building defects. - read more
Rising Public Liability Insurance Premiums Challenge Australian Businesses
Rising Public Liability Insurance Premiums Challenge Australian Businesses
16 Feb 2026: 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
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Your free liability insurance quote comparison starts here!
Cover Amount:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.


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Insurance Policy Excess:
The amount you will have to contribute when you make a claim.

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