Personal Insurance
Business Insurance
Insurance Details
Public Liability Insurance is designed to protect businesses against legal liability arising from injury to third parties or damage to third-party property in connection with business activities.
It provides financial protection for compensation claims, legal defence costs, and associated expenses, helping businesses operate with confidence when interacting with customers, suppliers, contractors, and the public.
Whether operating from a shopfront, office, site, or client premises, Public Liability Insurance is a fundamental protection for most Australian businesses.
Cover Sections / Benefits Covered
Q&A – Common Questions
Public Liability Insurance is not legally compulsory in all cases, but it is often contractually required by landlords, councils, principals, or event organisers.
For many businesses, it is considered essential protection due to the potential size of third-party injury or property damage claims.
Public Liability covers incidents arising from your business activities (e.g. a customer slipping in your shop).
Products Liability covers injury or damage caused by products you manufacture, supply, or sell. These covers are usually combined under one policy.
Public Liability policies differ significantly in wording, exclusions, and claim handling—not just price.
As your broker, FRS helps you:
• Clearly define and disclose your business activities
• Compare insurers beyond headline premiums
• Negotiate coverage extensions and exclusions
• Act as your advocate if a claim arises
Insurance is not just about compliance—it’s about protection when things go wrong.
No. Public Liability Insurance does not cover employee injuries.
Employee injuries are covered under Workers’ Compensation Insurance, which is compulsory in Australia.
Public Liability responds only to claims from third parties, not employees.