AUSTRALIAN INSURANCE GUIDE
Public Liability Insurance Guide
A guide to third-party injury and property damage exposures.
QUICK ANSWER
What does Public Liability Insurance address?
Public Liability Insurance can respond to legal liability for third-party injury or property damage arising from business activities, subject to the policy wording. The occupation, work locations, customers, subcontractors and higher-risk activities all help define the exposure.
OVERVIEW
Start with where the business works and who it works around
Public Liability can be relevant where business activities cause injury to another person or damage to property not owned by the business. Insurers commonly ask about occupation, turnover, locations, work away, subcontracting, hazardous processes, height or depth exposure and claims history.
If the business also manufactures, imports, supplies or installs products, consider Products Liability separately.
Australian insurance context
For Australian businesses, Public Liability Insurance Guide should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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Published by DIBNI · Last reviewed 30 August 2026 · Editorial standards · Commercial insurance proposal guide