Public Liability Insurance.
A customer slips. A job damages someone's property. At fault or not, the legal process starts and the costs are real. Public liability picks them up - and we find the policy across 90+ insurers.
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About This Cover
Public liability insurance - what it covers and why Australian businesses need it
Public liability insurance covers you when someone outside your business - a customer, a client, a passer-by - is injured or has their property damaged because of what you do. It pays your legal defence and any compensation awarded.
If you deal with the public at all, this is the cover clients, landlords and councils will ask for first. Most businesses carry $5m to $20m - we'll tell you which number your contracts actually require.
What's Included
What's included - standard covers in a public liability policy
Third-Party Personal Injury
A customer, client or passer-by is injured because of your business - compensation is covered.
Property Damage
Someone else's property damaged by your work - at your site, theirs or in the field.
Products Liability
Something you sold or supplied causes harm or damage. Essential if you make or sell physical products.
Legal Defence Costs
Legal fees and court costs, even when the claim has no merit. Proving that still costs money.
Who Needs This
Who needs public liability insurance
Retail & Shops
High foot traffic, more accidents. A slip, a fallen display, a faulty product.
Construction & Trades
Client sites and public spaces every day - and most contracts require minimum cover before you start.
Restaurants & Hospitality
Wet floors, food incidents and packed rooms make hospitality one of the most claim-prone industries going.
Events & Entertainment
Concerts, markets and festivals usually can't be held without proof of public liability.
Consultants & Advisors
Even working in a client's office can end in a damage or injury claim. Cover follows you wherever the work is.
Why Co-Pilot
Why Co-Pilot for public liability insurance
We work for you, not the insurer
We're independent. We find the cover that protects your business, not the policy that pays the best commission.
90+ insurers, including the hard-to-place
High-risk industries, higher limits, prior claims history - we know which insurers still have appetite.
We'll tell you if $20m is overkill
Too little cover leaves you exposed; too much wastes premium. We match the limit to your contracts and actual risk.
We argue your case at claim time
When a claim lands, we deal with the insurer for you - not just at sign-up.
Hear What Our Clients Are Saying
“We had a fantastic experience working with Joanne for our car loan. Being new to the process, we really appreciated her professional guidance and her honest, down-to-earth advice. She took the time to understand our lifestyle and provided realistic options that gave us real confidence in our decision. Joanne was professional, reassuring, and a pleasure to deal with. Highly recommended!”
Ricky AM Ramos
FAQ
Common Questions About Public Liability Insurance
A claim without cover can end a business. Let's get yours protected.
Tell us what you do. We'll quote public liability across 90+ insurers in 24-48 hours, at the limit your contracts actually need.
No impact to your credit score