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Public liability insurance covers your legal defence costs and any compensation you are ordered to pay if a third party — a customer, visitor, or member of the public — is injured or has their property damaged as a result of your business activities. It is one of the most important covers for any business that interacts with the public.
Any business that interacts with the public needs public liability cover. This includes trades and contractors, retail stores, hospitality businesses, consultants visiting client sites, market stall holders, event operators, and sporting clubs. Many councils and government bodies require proof of at least $10M public liability cover before granting permits or access to public spaces.
The required amount varies by industry and contractual obligations. $5M or $10M is commonly the minimum required by landlords and councils. Construction and government contracts often require $20M. As a general guide, consider the worst plausible claim against you — a serious injury claim can easily exceed $1M in legal and compensation costs. Your broker can advise based on your specific industry and contracts.
CoverMy connects you with licensed Australian insurance brokers who compete for your business.
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