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Safeguard Your Business with Public Liability Insurance
Essential Commercial Shield

Safeguard Your Business with Public Liability Insurance

Protect your hard work from unforeseen accidents. Get your Public Liability cover and fast Certificate of Currency (CoC) with Lesure today.

Chat to a Broker: (03) 7303 7504
140+ Insurers ComparedSteadfast Network MemberSame-Day CoC in Most Cases

Need an Urgent Certificate of Currency (CoC) Today? We prioritize worksite inductions, commercial leases, and tender deadlines with prompt same-day turnaround in most cases once cover is confirmed.

The Reality of Running a Business

Out on the job, accidents happen. If a mishap causes injury or property damage to a third party (anyone other than employees), you can be held legally liable. Without proper backing, Australian legal fees and compensation claims can be financially crippling. Public Liability insurance acts as your ultimate financial safety net so you can trade with confidence.

Workplace hazard inspection and commercial safety precautions

Minimizing everyday slips, trips, and operational mishaps across busy Australian venues.

What is Public Liability Insurance?

Public Liability protects your business from the financial fallout of accidental third-party personal injury or property damage caused by your operations. In Australia, a single minor oversight—whether visiting a client's home or working on a busy construction site—can trigger thousands in claims. This policy steps in to absorb those legal liabilities and protect your livelihood.

Insurance advisor explaining public liability coverage to Australian business owner

Absorbing third-party personal injury and property damage liabilities with tailored limits.

Coverage Limits

How to Choose Your Public Liability Insurance Limit

Public Liability insurance in Australia is generally structured around three standard tiers of cover. Finding the right fit depends on your specific trade and contract requirements:

TierBest Suited For
$5 MillionSmall home-based businesses, boutique retail shops, and independent mobile consultants.
$10 MillionStandard SME benchmark: local cafes, busy offices, and residential/domestic tradies.
$20 MillionOften required for major commercial contractors, subbies on commercial sites, shopping centres, and government projects.

Coverage Scope

How Public Liability Insurance Has Your Back

Designed to help reduce gaps in your cover and support your business continuity.

Comprehensive Protection Features

Third-Party Personal Injury

Medical bills, rehabilitation, or emotional distress if a client slips on your floor or trips over equipment.

Third-Party Property Damage

Repair and replacement costs if you accidentally damage a client's or neighbouring property.

Legal & Defence Costs

Solicitor fees, investigation expenses, and court payouts—even if the claim made against you is groundless.

Contractor holding certified Certificate of Currency on commercial job site

Unlocking commercial job sites, tenders, and leases with mandatory Certificate of Currency compliance.

100% Policy Transparency

What Isn't Covered? (Policy Exclusions)

Every policy has exclusions and limits. Your Lesure broker will walk you through the key ones in your PDS before you buy, so you know where you stand.

Standard Policy Exclusions & Boundaries

Circumstances typically requiring separate extensions or policies

  • Staff Injuries: Covered strictly under mandatory Workers’ Compensation, not Public Liability.
  • Own Property & Tools: Excludes damage or theft of your own gear, vehicles, or premises.
  • Bad Advice or Faulty Designs: Financial loss from poor professional advice requires Professional Indemnity Insurance.

This is why having a broker helps. We walk you through the key policy limits and exclusions in the PDS so you understand your cover before you buy.

Target Audience

Who Should Consider This Cover?

While not legally mandated for all businesses, a valid Certificate of Currency (CoC) is practically compulsory to enter job sites or sign commercial leases. Essential for:

Tradies & Subcontractors: Electricians, plumbers, chippies, and painters—who routinely need a $20M CoC as a non-negotiable requirement for site entry.

Retail & Hospitality Owners: Cafes, diners, boutique shops, and salons where a steady stream of patrons walks through the doors daily.

Mobile Service Providers: Commercial cleaners, gardeners, and consultants who frequently operate on their clients' own property.

The Lesure Advantage

Why We're Different

Broker advice backed by the Steadfast network and decades of underwriting experience.

Steadfast Network Leverage

Steadfast Network Leverage

Access Steadfast policy wordings and compare options from 140+ insurers.

Bespoke, Tailored Precision

Bespoke, Tailored Precision

Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.

Fast Claims Support

Fast Claims Support

End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.

Transparency & Bilingual Support

Transparency & Bilingual Support

Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.

Common Inquiries

Frequently Asked Questions

It covers your business if a third party (like a client, supplier, or a member of the public) makes a claim against you for: Personal injury (someone slips, trips, or falls at your workplace or job site), Property damage (you or your employees accidentally damage someone else’s property or equipment while doing your job), and Legal costs (the cost of hiring a lawyer and defending your business in court, even if the claim against you is groundless).
Public Liability Insurance generally does not cover: Injuries to yourself or your employees (this is covered by Workers’ Compensation/WorkCover), Damage to property that you own or rent, and Professional advice or design errors that cause financial loss to a client (you will need Professional Indemnity Insurance for this).
While it isn’t legally mandated for every single business by the government, it is practically compulsory in many situations. You will usually need a Certificate of Currency (proof of insurance) if you want to: Lease a commercial office, shop, or retail space from a landlord; Enter a construction site or trade venue (mandatory for most tradies and subbies); Pitch for government contracts or tender for work with larger corporate clients.
Yes, absolutely. Home and contents insurance rarely covers business activities. If a courier trips over a box while delivering stock to your house, or if you meet a client at a local café and accidentally spill coffee over their expensive laptop, you can still be held personally liable for the damages.
There is no one-size-fits-all price. Your premium is calculated based on: Your industry (high-risk industries like construction, plumbing, or hospitality pay more than low-risk ones like consulting or copywriting); Your annual turnover and team size; Your choice of cover limit (usually $5 million, $10 million, or $20 million, depending on what your clients or landlords require).
In most cases, once cover is confirmed by the insurer, we can issue your Certificate of Currency on the same day so you can pass it on to your landlord or client promptly.
An excess is the out-of-pocket amount you agree to pay towards each claim before your insurance policy kicks in to cover the rest (for example, $250 or $500). Generally, choosing a higher excess can help lower your annual premium.
Yes, definitely. Businesses grow and change, so if you take on more staff, move to a new commercial address, or need to increase your cover limit to win a new contract, just let us know and we will update your policy and issue a new Certificate of Currency.
If an incident occurs, follow these steps: 1. Document everything: Take photos of the damage or injury and record what happened. 2. Contact us: Report the incident to your Lesure broker. 3. We support you: We assist with paperwork, lodge the claim, and liaise with the insurer and adjusters.
Yes. If you wind up your business or no longer require the cover before your 12-month policy ends, you can request cancellation. Insurers generally provide a pro-rata refund for the unused premium, subject to any cancellation fees in the PDS. Any broker fee charged may not be refundable — see our FSG.
Lesure Insurance - Safeguard Your Business with Public Liability Insurance policy review and quote
Protect What Matters

Protect Your Hard Work. Trade with Confidence.

Don't let a minor slip up disrupt your business momentum. Let the team at Lesure review your risk profile, secure your competitive premium, and get your Certificate of Currency sorted today.

Call: (03) 7303 7504