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Public Liability Insurance

What is Public Liability insurance?

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Public liability insurance is designed for professionals who interact with customers or members of the public. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.
 
In real terms, this means that if someone is injured or their property is damaged while you’re providing a service, they may take legal action against you to recover their losses. Public liability insurance is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs. It covers incidents that occur in your workplace, as well as incidents at other locations.
 
Public liability insurance only covers claims made by external parties, not those made by your own employees 

If you work with clients or customers, or in public spaces, it’s important to protect your business against claims of damage or injury. That’s why we often include public liability insurance in our industry-specific business insurance packages.

These packages are tailored to meet the unique requirements of your business. As well as public liability insurance, they may also include product liability insurance and professional indemnity insurance cover.

Find out more about Public Liability Insurance

Do I need Public Liability Insurance?

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Do I need Public Liability Insurance?
 
Public liability insurance is recommended for any business that interacts in public places. In every line of work, there’s always the potential for something to go wrong – and accidents do happen.
 
Claims of personal injury or property damage can be incredibly expensive. Even if you’re not at fault, you may still incur considerable legal costs while defending yourself.
 
Public liability insurance safeguards your business by providing cover against such claims, including legal defence costs. So you can confidently go about your work, knowing you’re protected if something goes wrong.

How much does Public Liability insurance cost?
 
The quickest and most accurate way to find out the cost of Public Liability insurance for your business, is to contact us directly. Talk to a local and call your local branch today. Alternatively, you can choose your profession and get a quote online. There’s a number of factors that can influence the cost of your public liability such as:
 
- Your business type and nature
- Your business turnover and size 
- Any add-ons or exclusions you would like to apply to your policy
- The level of Public Liability cover
 
Which states does Aon cover across Australia for Public Liability insurance?
 
Aon covers all states and territories across Australia: 
 
- NSW
- NT
- QLD
- SA
- WA
- TAS


Cover all the essentials*
 
It’s important to choose a public liability insurance policy that covers your business and your staff (including directors, partners and employees) while they are acting within the scope of their duties.
 
With a public liability insurance policy, you can confidently protect your business against a wide range of circumstances, including injuries caused by slips or falls on your premises.

Public Liability Insurance quotes
We provide public liability insurance quotes and tailored business insurance packages for the following industries.
•      Health Care
•      Real Estate
•      Entertainment and Media
•      Professional Services
•      Not-for-profit
•      Equine


Does your profession sit outside these industries? 
Take a look at our business insurance cover to help protect your business against a wide range of risks.
 

Find the business insurance thats right for you