Public liability insurance is the cover most Australian businesses cannot operate without. If your work brings you into contact with customers, clients, suppliers or the public, a single accident can lead to a claim large enough to threaten everything you have built. At Axle Insurance, we arrange public liability insurance that protects your business against those claims, tailored to your trade and your contracts, with cover compared across multiple insurers so you never pay more than you should.
Public liability insurance protects your business if a third party suffers injury, or their property is damaged, and your business is found responsible. It covers the compensation you may be ordered to pay, together with the legal costs of defending the claim, even when the claim is ultimately unsuccessful. For trades, retailers, hospitality venues and service providers, it is the foundation of a sound business insurance program.
Cover limits typically range from 5 million to 20 million dollars, and many contracts, landlords and councils now require at least 10 million or 20 million dollars before they will work with you. We help you set the right limit for your actual contracts rather than guessing.
Third party bodily injury caused by your business activities
Damage to a third party's property while you work
Compensation and settlements you are legally liable to pay
Legal defence costs, including investigation and representation
Incidents at your premises, a client site or a public location
If the public, your clients or their property are ever near your work, you carry public liability risk. It is held by builders and trades, cleaners, electricians, hospitality and retail businesses, beauty and wellness providers, event operators, consultants and many more. If you are not sure whether it applies to you, our guides on whether you need public liability insurance and public liability insurance for sole traders walk through it in plain language.
As business insurance brokers, we work for you, not the insurer. That means:
We compare public liability cover across multiple insurers to find the right fit and a competitive premium.
We match your cover to your trade, your turnover and the contracts you need to win.
If you ever need to claim, we help you through it, so you are not facing the insurer alone.
We can issue your certificate of currency quickly when a client or site asks for proof of cover.
Wondering about price? Our guide to public liability insurance costs in Australia explains what drives your premium and how to keep it sensible.
We arrange public liability insurance for businesses right across the country, including Sydney, Brisbane, Perth and Adelaide, wherever you are based. Public liability also pairs closely with professional indemnity insurance for businesses that give advice, and the two are often arranged together.
It is not required by law for every business, but it is so often demanded by clients, landlords, councils and contracts that most businesses cannot operate without it.
Most businesses hold 5 million to 20 million dollars. The right figure is usually set by your contracts and clients, many of whom ask for at least 10 million or 20 million dollars.
Yes. Once your cover is in place we can provide a certificate of currency, which is the proof of insurance many clients and sites ask for before you start.
Protect your business with the right cover at a fair price. Get a free tailored quote and our team will compare the market for you.
