Public Liability Insurance

Keeps your business insured against claims relating to any breach of the basic ‘duty of care’ laws that keep people safe and free from harm.

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The cover

Public liability insurance protects you and your business against the financial risk of being liable for causing injury, damage, loss or death to a third party.

What is covered?

  • Compensation for personal injury and/or property damage to a customer or member of the public
  • Legal and defence costs

What is NOT covered?

  • Employee injury
  • Damage to your property
  • Known claims and circumstances

Why it’s important

This insurance is the baseline for business protection and provides coverage against financial liablility when someone is injured or has their property damaged and you or your business is at fault. A critical element of your business insurance package.

Who it’s for?

Any business owner, even part-time or consultancy based, needs to consider financially protecting themselves against everyday accidents that can have serious financial implications.


October 5th, 2016

A client visited a beautician to receive an IPL laser treatment to eradicate unwanted hair. The beautician performed the treatment in the same way she had done for hundreds of customers previously.

Despite the beautician asking the client several times if she wanted to stop, the client was happy to continue with the process and everything seemed normal.

Afterwards, however, the customer made a claim against the business, alleging that she was burnt during the IPL laser treatment.

Fortunately the business had a Public Liability policy in place, which covered them against the claim and alleviated the chance of financial detriment.

These business insurance products are distributed by BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769). If you choose to purchase these products we will refer you to them. If you purchase a product as a result of a referral, we will receive a fee. BizCover acts as the agent of the insurers in respect of the insurance products offered on the website and not as your agent. Any advice does not consider your individual needs. You should consider if the insurance is suitable for you and read the Product Disclosure Statement or policy wording before buying the insurance.  Information on this website is general information only, you should read the Product Disclosure Statement or policy wording to ensure you understand the full details of any product you are interested in purchasing (including inclusions and exclusions).