Get Public Liability Insurance on the Central Coast

Public Liability Insurance Central Coast


What Is Public Liability Insurance?

Public liability insurance offers protection for your business in the event that a customer, supplier, or member of the general public claims injury or property damage directly resulting from your business negligence.

As a business operator, you are accountable to any third party that comes into contact with your business. If your business is open to the public, it can incur a higher duty of care to third-party consumers and be more vulnerable to accidents involving third parties.

Protecting your business with public liability insurance can ensure you’re able to continue your regular operations and avoid significant litigation expenses. Give us a call today on 02 4344 3622 to schedule an appointment with a member from our expert team!

Plumber with Public Liability Insurance

What Does Public Liability Insurance Cover?

While different policies cover various items, public liability insurance generally covers the following:

Injury Or Death Of A Third-Party

You might take every measure to ensure public safety, but unfortunately, accidents still happen in the workplace. If a third party is injured or dies as a direct result of your business operations, you could be financially liable. Public liability insurance can cover your costs in the event this occurs.

Loss Or Damage To Third-party Property

If damage to or loss of third-party property occurs on your premises or while you're conducting business, you might be ordered to pay the costs of repair or replacement. Public liability insurance can help cover these expenses to ensure that you and your business aren’t left out of pocket.

Legal Costs Required To Pay Because Of A Claim

If a public liability claim is made against you and your business, or against one of your employees, you may incur significant legal costs. Public liability insurance can ensure your peace of mind and business security by covering the compensation you will need to pay the injured or impacted party.

Legal Defence Costs

Defending a covered claim can bring you significant expenses, and the last thing you want is to dip into your own savings in order to cover the costs of an attorney. Public liability insurance can help cover you financially if you need to hire a lawyer to defend your business.

Loss Or Damage Of Goods In Your Care

If you’ve suffered loss of or damage to goods that you don’t own but are in your care, custody or control, you may face replacement or repair expenses. A public liability insurance policy can provide coverage to help you manage these costs and help you get back on track.

What Isn’t Covered By Public Liability Insurance?

Before taking out public liability insurance, it’s important you’re aware of what you won’t be covered for. While each individual policy offers different levels of coverage, public liability insurance generally doesn’t offer coverage for:

  • Your responsibility for injured workers
  • Punitive damages
  • Liquidated damages
  • Gradual pollution
  • Expenses incurred by your product recalls or withdrawals
  • Asbestos
  • Aircraft products
Asbestos Removal Danger Sign
Document with details about a clients Public Liability Insurance

How Much Public Liability Insurance Do I Need?

The amount of cover you’ll need for your business will depend on particular factors. When you invest in a policy, your insurer will first take into account the limits, optimal coverage, nature, turnover and size of your business, and the industry in which you operate.

Generally, larger businesses that carry a greater risk of causing injury or damage incur a higher insurance premium. Business owners taking out public liability insurance are usually presented with three levels of cover: $5 million, $10 million and $20 million. It is important that you compare your options and obtain quotes before taking out a policy to ensure you choose the level of cover that’s right for you.

Is Public Liability Insurance Compulsory In Australia?

There is no statutory requirement for an Australian business to take out public liability insurance. It is, however, mandated across particular industries and professions, and these obligations and mandates can vary across states and territories. It is important you are aware of the particular requirements relevant to your state to ensure you and your business comply with government regulations. Your business may be required to have a public liability insurance policy if:

  • You operate under a government-issued licence – especially if you’re a builder, plumber or electrician
  • Your association or landlord has issued a mandate
  • You need to enter a work site or third-party premises, particularly offices, government departments, or hospitals
Engineer on the Central Coast, Australia with Public Liability Insurance
Repairman Fixing A Microwave Oven

Insure Your Business Against Public Liability

What would happen to your business if someone had an accident whilst visiting your premises? What if you’re carrying out work offsite and you happen to damage someone’s property? One of the main risks associated with operating a business is accidentally causing damage or injury to a third-party. Public Liability Insurance is designed to mitigate the financial risk of certain liability claims that arise during the course of your business activities.

At Coast & Country Insurance Consultants, we can help you find the most suitable Public Liability Insurance for your business. Based in The Entrance, we service local clients throughout the Central Coast, as well as others around Australia. Call (02) 4334 3622 to speak with one of our brokers & advisors today.

Is Public Liability Insurance Compulsory?

Whilst public liability insurance isn’t a requirement to operate most businesses, you will often find that not having it limits your ability to win clients and projects. For instance, most public tenders will require that you have Public Liability Insurance before considering your submission. Likewise when working with major clients or subcontracting for other businesses, Public Liability Insurance will be high on the list of must haves.

Having a general understanding of the risk your business faces, is important to determine what level of cover is most appropriate. Cover of $5-$10m will be sufficient for most businesses, however for those that are in higher risk industries, or deal with sizeable clients and projects, $20m+ is more common.

Public Liability Insurance Application Form
Product Liability Insurance Central Coast

Product Liability Insurance

Where Public Liability Insurance provides a level of cover against third-party injury and damage whilst on the job, Product Liability Insurance is concerned with third-party injury or damage as a result of products that you manufacture and supply.

Say that a product you sell incurs a fault and causes harm to a customer, there’s a risk you could be sued and encounter financial loss as a result. This is the case for small businesses and global corporations alike. Product Liability Insurance would typically mitigate much of this financial risk.

Often, you’ll find that Product Liability Insurance is included within Public Liability policies, but not always. It may be beneficial to take these out separately. When speaking with our brokers & advisors, we’ll help you determine the most appropriate option for your business.

Contact Us Today To Learn About Your Public And Product Liability Insurance Options

If you’re considering taking out public liability insurance for your Central Coast business, you know you can trust Coast and Country Insurance Consultants to deliver on expert advice, affordable options, and assurance of peace of mind. Our friendly, experienced team is ready to assist you to find the level and type of cover that’s right for you. Contact us today on 0243 343 622 to learn more or to book a free consultation.

An Insurance Broker with 2 clients looking for Public Liability Insurance

Frequently Asked Questions

Different policies may have different coverage, but a typical Public Liability policy will provide a level of financial cover for: 

  • Injury or death of a third-party 
  • Loss or damage to third-party property 
  • Legal costs required to pay because of a claim 
  • Legal defence costs 


Contact us today if you’d like to learn more about your Public Liability Insurance cover options!

No. The two insurances are quite dissimilar; Public Liability Insurance provides cover for third-party injury and property damage as a result of your business activities, whereas Professional Indemnity Insurance covers losses or damages due to poor advice.

A typical Public Liability policy won’t cover subcontractors working on behalf of your business. Where you do find a policy that covers your subcontractors, the premiums will usually be much more expensive. Therefore, it’s beneficial to ensure your subcontractors have their own insurance. If you require further information regarding public liability insurance, it’s recommended you contact an insurance broker.

02 4334 3622