Public Liability
Insurance Brokers
Tailored public liability cover from Australia's top insurers
Public Liability Cover From Australia's Top Insurers
At Ausguard, we’re insurance brokers, not a single insurer. That means we compare public liability policies from QBE, Hollard, Allianz, CGU and more to find cover that fits your trade, your risk profile, and your budget.
If a customer is injured on your site, or your work damages someone else’s property, the right policy means you’re not paying out of pocket. We’ll find cover that protects you without the hassle of dealing with insurers directly.
What Public Liability Cover Can Include
A public liability policy through Ausguard can include:
- Personal injury, cover for legal costs and compensation if a third party is injured because of your business
- Advertising injury, cover for claims of defamation, copyright infringement or misleading advertising
- Property damage, cover for accidental damage caused to someone else's property during your work
- Legal defence costs, cover for the cost of investigating, defending and settling claims
- Product liability add-ons, optional cover for injury or damage caused by products you sell, supply or manufacture
- Every policy is tailored to how your business operates.
Built For Australian Trades And Businesses
We work with business owners across:
Tradies
Retail shops
Cafes, restaurants and hospitality venues
Cleaners, gardeners and home service providers
Manufacturers and suppliers
Event organisers and consultants
What Our Clients Say About Us
Frequently Asked Questions
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 can assist you against potentially costly personal injury or property damage claims.
Public liability insurance can cover your business for:
- Legal costs incurred in the defence or settlement of a covered 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
- Your first aid expenses at the time of an incident
- Costs incurred as a result of injury to others whilst visiting your premises
This is a summary only, the full details of what is and is not covered, please get in touch with us.
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
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.
Ausguard offers multiple levels of public liability cover:
- $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.
Some examples of scenarios that might be covered under your public liability policy would be:
- If a third party 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 on the third party’s property
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.
AusGuard Insurance Advisors Pty Ltd is a corporate representative of Oracle Group (Australia) Pty Ltd AFSL: 363610
DISCLAIMER: The information contained in this website and any attachments are general advice only. We have not taken your individual circumstances into consideration and this can affect the insurance, premium, cover, and exclusions.
For a tailored insurance policy to suit your needs, please contact us.
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