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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
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  • 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

    Understanding Public Liability Insurance: A Must-Have for Aussie Businesses
    Understanding Public Liability Insurance: A Must-Have for Aussie Businesses
    For any Australian business, the unforeseeable mishaps that can occur daily pose potential risks not only to operational continuity but also to financial stability. At the core of a strategic risk management plan lies the essential protective layer of public liability insurance, a shield safeguarding businesses from the legal and financial repercussions of accidents and injuries that may happen on their premises, or as a result of their operations. - read more
    A Guide to Public Liability Insurance for Construction Businesses
    A Guide to Public Liability Insurance for Construction Businesses
    When embarking on a construction project, the potential for unexpected incidents and the associated liabilities cannot be ignored. Navigating through the intricate world of insurance might seem daunting, but understanding public liability insurance can save your business from financial peril. In the ever-evolving landscape of Australian construction, its significance cannot be overstated. - read more
    How Much Public Liability Insurance Cover Does a Business Need?
    How Much Public Liability Insurance Cover Does a Business Need?
    Choosing a public liability insurance cover limit is not just a pricing decision. Australian businesses often compare $5 million, $10 million and $20 million limits, but the right amount depends on contracts, site access rules, permits, business activities, claim exposure and insurer criteria. - read more
    Is Public Liability Insurance Compulsory in Australia?
    Is Public Liability Insurance Compulsory in Australia?
    Public liability insurance is not automatically compulsory for every Australian business, but it may be required by law, licence conditions, contracts, venues, landlords or clients. This guide explains the difference between legal obligations, contractual requirements and practical expectations. - read more
    A Beginner's Guide to Public Liability Insurance: Protecting Your Business
    A Beginner's Guide to Public Liability Insurance: Protecting Your Business
    Public liability insurance helps protect Australian businesses against third-party injury or property damage claims connected with their business activities. From a customer slipping in a café to accidental property damage at a client site, this guide explains how cover works, who commonly considers it, how to compare policies and what to expect if a claim occurs. - read more

    Knowledgebase
    Subrogation:
    The process by which an insurance company seeks to recover the amount paid to the policyholder from a third party responsible for the loss.

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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.