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Public liability insurance

Protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

What is public liability insurance?

Public liability cover is typically one of the most common types of insurance purchased by both large and small businesses. It is designed to help protect you and your business from legal claims made against you by customers, suppliers or members of the public when you’re liable for negligence. 

It can help cover accidents death or injuries, as well as loss or property damage that may arise from an incident connected to your activities. Policies can also extend to cover product liability, which helps protect your business from legal action due to faulty products.

Not everything is covered under a liability policy. Typical exclusions may include any excess you have in place and any acts of deliberate neglect, in which case your policy may be deemed void and you could be held personally liable for the financial burden of the claim.

 

What does public liability insurance cover?

selected option

Choosing your cover level

You may need a specified limit of liability – such as $5 million – to operate your business. Check your existing contracts, compliance obligations or legislative requirements for minimum limits that may apply.

Limit of liability

We can arrange $5 million, $10 million or $20 million limits of liability to meet your requirements.

Let us arrange the right cover for your needs – so you can continue serving your clients with confidence.

Excess

If you need to make a claim, your policy’s excess sum is the amount of money you are liable to pay before the insurer then becomes liable for losses and legal costs.

Third party cover

Includes coverage for financial loss to a third party, damage to a third party’s property, and death of or personal injury to a third party.

Key product highlights

Financial cover

Accidentally injure a customer? Help keep your business safe and stay protected against financial losses and incurred legal costs.

Coverage across industries

From events and education to trades and travel. Wherever you work, we’ll help you stay protected and stay in business.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Stay protected

It’s vital your business is protected against legal costs if an incident were to occur – even if you are not at fault. From plumbers to personal trainers and from sole traders to contractors, we’ve got you covered. So you can get on with what you do best.

A world leading broker

As a world leading insurance broker, we’ll negotiate competitive coverage on your behalf. When you choose Marsh, you’re choosing comprehensive coverage, backed by extensive industry expertise. We’ll process your claims with insurers – so you can stay committed to your business.

Ongoing support

You’ll be paired with an experienced insurance broker to get to know your needs and circumstances – and answer all your questions. We’ll help manage, negotiate and settle claims with insurers on your behalf. So you’re free to focus on your business.

Related insurance solutions

Professional indemnity

Protect your business against claims of misleading advice, breach of duty and negligence with professional indemnity cover.

Management liability cover

Protect your business – and your team – against management and operational risks with management liability cover.

Business insurance

A complete business insurance solution tailored to fit small and medium businesses. Right here. Under one policy.

Frequently asked questions

*Generally, your workmanship errors that need fixing won’t be automatically covered by public liability insurance. However, if the error causes third-party injury, it may be covered under your public liability policy. Talk to us about policy solutions that can extend to include this cover.

This is a general overview of the policy. Please call us and ask for a copy of the insurer’s policy wording. We recommend you read the policy wording, so you have an understanding of the policy terms, conditions and exclusions before you decide whether this policy suits your needs.

LCPA 23/099