Public liability

Protect your business against liability claims

Public liability insurance

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

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. CGU public liability insurance can cover:

 

Public liability insurance is a part of CGU’s Small Business Insurance packages. This is a summary only, the full details of what is and is not covered, please read the Business Insurance Product Disclosure Statement

Get a public liability insurance quote

Want a quick quote right away? You can get a quote and buy your business insurance online in under 3 minutes. Need help choosing the right insurance? Our CGU business insurance specialists can help answer your questions, or help you find an insurance broker if you need more help.

Public liability FAQs

  • What is public liability insurance?

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

  • Do I need public liability insurance?

    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 person may take legal action 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.

  • What does public liability insurance cover me for?

    CGU public liability insurance covers your business for:

    • Legal costs incurred in the defence or settlement of a claim
    • Cover for others that may be acting on behalf of your business when the incident occurred
    • Loss or damage of goods – which are in your care custody or control which you do not own
    • Loss or damage of someone else’s property that occurs while performing your service
    • First aid expenses at the time of an incident
    • Injury to others who sustain injury whilst visiting your premises

    This is a summary only, the full details of what is and is not covered, please read your Product Disclosure Statement. 

  • What are some of the things public liability doesn’t cover me for?

    Things public liability doesn’t cover you for include:

    • Your (the employer’s) responsibility for injured workers (this is covered through workers compensation insurance)
    • Aircraft products
    • Asbestos
    • Punitive damages (damages awarded where a judge believes you acted so badly that extra damages are awarded)
    • Gradual pollution
    • Products recall
  • How much public liability insurance do I need?

    Every business is different, and there is no ‘one size fits all’ rule for how much public liability insurance your business needs. Sometimes the amount of public liability insurance you need will be dictated by the contracts you work on – for example, some corporate and government contracts will stipulate a minimum amount of public liability.

    CGU offer three levels of public liability cover which can be purchased from us directly:

    • $5 million
    • $10 million
    • $20 million

    Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.  

  • What sorts of claims are covered by public liability insurance?

    Some examples of scenarios that might be covered under your public liability policy would be:

    • If someone slips and falls, injuring themselves in your premises
    • If you manufacture and sell a product that you do not realise is defective and someone is injured as a result of the defect
    • If your job is to paint houses and your ladder slips and breaks a window
  • Does public liability cover professional services or advice?

    Public liability insurance doesn’t cover losses arising from you providing professional services or advice to clients.

    Professional indemnity insurance protects you and your business from claims of financial loss arising from an act, error or omission in the performance of professional services.   Find out more about professional indemnity insurance.

Understanding public liability

Understanding public liability

What's the difference between public and products liability? Find out more...