Compare online quotes for public liability insurance in Queensland here with Savvy today.
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Public liability insurance can offer vital protection to a range of businesses, no matter whether you’re based in Brisbane, Cairns or the Gold Coast. All businesses in Queensland which have regular contact with members of the public should consider taking out public liability insurance, as it can offer protection against personal injury or damages claims stemming from covered incidents.
If you’re looking for public liability insurance for your Queensland business, Savvy can help you compare multiple quotes from some of Australia’s leading insurers instantly. By answering a few simple questions, you can start considering offers from our trusted providers. Start looking for your policy today by getting a free, no-obligation quote through Savvy.
Public liability insurance is a type of business insurance that offers protection for your business against covered claims that your negligence caused injury to a member of the public or damage to their property. For example, you may be the subject of a claim if a member of the public slips and injures their back whilst boarding a catamaran that you run cruises on. It’s important to note that all coverage will be subject to your insurer’s terms and conditions.
Cover is available for amounts of $5 million, $10 million or $20 million, so it’s important to assess how much your business may need. Such large amounts of coverage may be necessary because personal injury claims can prove to be very expensive. For example, tragic diving accidents off the Great Barrier Reef have resulted in multi-million-dollar damages claims in the past.
Savvy can help you quickly compare a range of online quotes for business insurance, including public liability insurance. We make the comparison process simple by providing a range of free, no-obligation quotes online for you to consider before you buy.
Public liability insurance may be able to offer protection to your business for the most expensive components of a personal injury claim, including:
All insurance policies are subject to eligibility criteria and terms and conditions, so read the product disclosure statement (PDS) provided carefully to make sure you are aware of the conditions that apply to the coverage on offer.
What isn't covered by public liability insurance?
The following aren’t usually covered by public liability insurance:
Public liability insurance is designed to protect you if a third party makes a claim against your business. It will not cover your own business property or equipment.
If you have a small business and require cover for your own equipment, some insurers offer small business insurance packages which combine several different types of insurance, including for your assets.
There are many different types of businesses in Queensland that should consider taking out public liability insurance, including the following:
If your business involves interacting with members of the public or their property, it may be worth assessing its needs and primary risks to help determine whether public liability insurance is a suitable option.
Some of the elements you should compare when looking at policies for public liability insurance with Savvy include:
The cost of premiums
By carefully comparing insurance policies, you can find out which policies are the most affordable for you, which may help you avoid overpaying for cover. However, it’s important to ensure you’re comparing like with like. The cheapest insurance quote may not necessarily offer the best level of coverage, so compare policies thoroughly before making a decision.
Level of cover
Make sure you’re aware of the level of cover required before buying a particular policy. The amount of cover you may need can sometimes be determined by others; for example, landlords may insist you have a certain level of cover (often $5 million) in order to rent your premises. As such, it’s valuable to assess your needs and determine which claim limit will benefit your business the most.
What’s covered and what isn’t
Compare the areas which are and aren’t covered in your public liability insurance policy so you’re aware of any key exclusions which may be relevant to your business.
Optional extras
Some insurers offer the opportunity to add on further coverage for an additional cost, so read the PDS carefully before deciding if these optional extras are right for your business. Extras can include things like additional product liability insurance or glass insurance.
The nature of your business and the industry you’re in will both play a major part in determining the cost of your insurance. Some occupations are inherently riskier than others and will attract higher premiums as a result. For example, public liability risk (and therefore cost) for a roofing business may be higher than for an IT professional due to the risks posed by working at heights.
The size of your business and how many employees you have (if any) will also affect the cost of your insurance in Queensland, with larger businesses tending to pay more for insurance than smaller ones. This may be determined by asking you for some simple details about your business size and turnover before offering you an insurance quote.
Whether you’re located in central Brisbane or rural Airlie Beach may also affect the cost of your insurance, as the price of insurance is influenced by your postcode, with different risk gradings attached to different areas. Businesses in far north Queensland may be subject to more environmental risks than a business further south, so the cost of insurance may be higher. In addition, the cost of public liability insurance in Victoria won’t necessarily be the same as that in Queensland, as costs can also vary between states.
The excess you choose can also affect your insurance cost. For example, you may be able to choose an excess as low as $200 with your insurer, but this may make your insurance more expensive overall than if you’d chosen a higher excess, such as $500.
Your insurance history will also affect your insurance cost. If you have made multiple insurance claims in the past five years, you may find your premiums are higher than for a business which hasn’t made a claim recently.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
