Public Liability Explained: What is public liability insurance and why do I need it?

Public Liability Explained: What is public liability insurance and why do I need it?

Have you ever had someone trip, fall and hurt themselves in your showroom? Have you ever accidentally damaged someone else’s property while out on a job? Has a piece of faulty equipment you are using caused an accident?

If you have ever found yourself in the awkward position of having accidentally caused someone else a loss or injury in the course of running your business, then you will be able to see the value of a public liability insurance policy.

Public liability insurance is designed to protect your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as accidental damage to property owned or controlled by someone else.

As a business owner you are accountable to third parties that come into contact with your business – including customers, suppliers and anyone else who may be involved with your business. If damage or an accident occurs while you’re carrying out your business, the impacted third party may be able to make a claim against your business, which can result in costly legal fees as well as the obligation to pay for the damage or injury you may have caused.

If you work with clients or customers, in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products; public liability insurance is your best defence against potentially costly personal injury or property damage claims.

Click here for more information from the Australian Government relating to public liability insurance

Click here to learn more about CGU’s public liability insurance policies

Speak to your insurance adviser for advice specific to your circumstances.  Visit to find an adviser.