Public Liability Insurance

Public Liability Insurance
Public Liability Insurance protects your business if a third party suffers injury, illness, or property damage as a result of your business activities. This includes incidents involving customers, suppliers, delivery personnel, or the general public. Whether you operate from a storefront, visit client sites, or run public events, this cover provides financial protection against claims that could otherwise disrupt or damage your business.
It is especially important for businesses that regularly interact with the public or work in higher-risk industries such as construction, hospitality, and health services. A comprehensive policy can cover legal fees, compensation payouts, property repair costs, and medical expenses. At Angelic Insurance, our authorised brokers provide general advice to help Australian businesses choose suitable cover from a range of leading insurers.
How It Works
Getting covered is straightforward with Angelic Insurance. We streamline the process to ensure your business is protected and compliant, with minimal disruption to your day.
Share your business details
Tell us about your industry, size, locations, and services so we can assess your risk exposure and determine the right level of protection.
We compare insurers for you
We source and compare policy options from top insurers, reviewing cover limits, exclusions, and pricing based on your business profile.
Select your level of cover
You choose the appropriate cover limit typically $5M, $10M, or $20M depending on your risk exposure and any client or lease requirements.
Get your policy documents
We finalise the policy, handle the paperwork, and issue your Certificate of Currency within 24 to 48 hours for contract or site access.
Ongoing support and claims help
We assist with mid-policy updates, renewal management, and claims providing clarity and support whenever you need it.
Why You Need It?
Public Liability Insurance is a key safeguard for any business that interacts with clients, suppliers, or the general public. Without it, you may face legal claims, out-of-pocket costs, or even business closure following an incident.
Legal cost protection
Covers defence costs if someone sues your business for injury or property damage resulting from your business activities.
Pays third-party claims
Protects against claims involving injuries or property damage caused at your site or during service delivery.
Required for contracts
Many landlords, councils, and clients require a Certificate of Currency before allowing access to a site or finalising agreements.
Keeps your business running
Avoids financial disruption that can occur from paying out-of-pocket damages or dealing with legal proceedings.
Confidence to grow
With insurance in place, you can take on larger projects, access new markets, or enter leased premises with peace of mind.
How Angelic Insurance Can Help?
We’re committed to helping you make informed decisions. Our brokers offer general advice tailored to your operations, helping you understand what cover you may need and how to stay compliant without overpaying.
Personalised insurer comparisons
We compare policies from multiple insurers to help you identify the right protection based on your business activities.
Industry-specific insights
We understand risk differences across trades, retail, hospitality, events, and professional services and guide you accordingly.
Fast documentation
Need proof of cover for a tender or lease? We work quickly to issue Certificates of Currency so you’re ready to go
Ongoing review support
As your business evolves, we help update your policy to reflect new risks or client requirements, keeping you fully protected.
Dedicated claims assistance
In the event of a claim, we help you manage the process, communicate with the insurer, and work toward a fair resolution.
Challenges Businesses Face Without Public Liability Insurance
Without public liability cover, a single incident could expose your business to serious legal and financial consequences. Here are some risks of operating without it:
Out-of-pocket claims
If someone is injured at your premises or their property is damaged, you may be liable for medical bills, repairs, or legal fees.
Contract rejections
Many councils, landlords, and corporate clients require public liability insurance before work can begin or a lease is signed.
Business interruptions
A serious claim can lead to downtime, reputational harm, or cash flow issues if your operations are disrupted.
Legal stress and complexity
Defending a claim without professional support can consume time and energy, impacting your ability to focus on business operations
Reputational impact
Failing to handle a claim professionally or leaving a customer uncompensated can lead to negative reviews and lost trust.
Case Studies: How Public Liability Insurance Helped Real Businesses
Real claims show how public liability insurance can protect against the unexpected. Below are three examples where our clients avoided serious financial harm thanks to the right cover.
Case 1 – Boutique customer trip
A customer tripped on a floor mat inside a Brisbane clothing store and fractured their wrist. The policy arranged by the client’s broker covered a $22,000 settlement and legal fees.
Case 2 – Plumbing damage in client home
A licensed plumber accidentally caused water damage to a client’s kitchen. The broker-arranged cover paid $18,000 for repairs and loss of rental income.
Case 3 – Signboard injury at public event
A wind-blown sign injured a passerby at a local market. The insured organiser received $31,500 in cover for the injured party’s medical and compensation claim.