Public Liability Insurance.
You're running your business and an accident happens - a customer slips, a contractor damages something on-site, a product causes harm. Whether you're at fault or not, the legal process starts regardless. Public liability insurance means you don't face those costs alone.
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About This Cover
Public liability insurance - what it covers and why Australian businesses need it
Public liability insurance is the kind of cover every business facing the public should have. If a customer, client, or even a passer-by gets injured or has their stuff damaged because of your business, this insurance helps cover the costs.
If someone makes a claim - say they tripped in your shop or their property got damaged on site - public liability insurance steps in. The cover pays for your legal defence and any compensation you might need to pay.
It's all about keeping your business protected, your stress levels low, and your reputation intact - so you can keep doing what you do.
What's Included
What's included - standard covers in a public liability policy
Third-Party Personal Injury
Covers compensation if a customer, client, or member of the public is injured as a result of your business activities - on your premises or elsewhere.
Property Damage
Covers the cost of repairing or replacing third-party property that is damaged by your business - whether at your site, a client's premises, or in the field.
Products Liability
Covers claims arising from goods or products you've sold or supplied that cause harm or damage - an essential cover for any business that makes or sells physical products.
Legal Defence Costs
Covers your legal fees and court costs if a claim is made against you - even if the claim turns out to be without merit. Getting to that outcome costs money.
Who Needs This
Who needs public liability insurance - businesses most at risk
Retail & Shops
High foot traffic means more accident potential. A slip, a fallen display, a faulty product - public liability keeps you protected day-to-day.
Construction & Trades
Working on client sites and in public spaces creates daily third-party liability exposure. Most contracts also require a minimum level of cover.
Restaurants & Hospitality
Wet floors, food incidents, and high customer density make hospitality one of the most claim-prone environments for public liability.
Events & Entertainment
Concerts, markets, festivals, and sporting events mean significant third-party exposure - public liability is usually required to hold the event.
Consultants & Advisors
Even working in a client's office can lead to accidental property damage or personal injury claims. Cover protects you wherever the work takes you.
Why Co-Pilot
Why Co-Pilot for public liability - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your business - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist appetite for high-risk industries, higher-limit requirements, and businesses with prior claims history.
Honest advice on the right level of cover for your business
Too little cover leaves you exposed; too much wastes money. We help you match your limit to your actual risk - your industry, your contract requirements, your exposure.
Clear communication, no surprises
We explain your policy in plain language, manage renewals proactively, and are available when a claim happens - not just at sign-up.
Industrial Specialised Risk
In regard to property loss -
ISR cover typically includes:
For businesses with significant physical assets, Industrial Special Risks (ISR) policies provide broad protection. Here's what is typically covered under property loss provisions.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
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FAQ
Common Questions About Public Liability Insurance
A claim without cover can end a business.
Let's get yours protected.
Co-Pilot searches across 90+ insurers to find the right public liability cover for your industry and risk exposure. Get properly covered before the unexpected happens.