Do I need Public Liability Insurance in Australia?

Written By Tanya Kliese

If you run a business in Australia—whether you’re a café owner in Brisbane, a tradie in Sydney, or a consultant working from home—you’ve probably heard the term public liability insurance. But do you actually need it, and what does it cover?

What is Public Liability Insurance?

Public liability insurance protects your business if a customer, supplier, or member of the public suffers an injury or property damage because of your business activities.

For example:

• A customer slips on a wet floor in your shop.

• A contractor damages a client’s property while working on-site.

• An event organiser faces claims from an attendee injured at their event.

Without cover, your business could be liable for medical bills, legal fees, or repair costs.

Is It Mandatory in Australia?

While public liability insurance isn’t legally required for every business, many landlords, councils, and contracts demand proof of cover before you can start work. For trades, hospitality, and events, it’s often non-negotiable.

How Much Does It Cost?

The price depends on your industry, size, and level of risk. For example, a café in QLD will typically pay less than a construction company operating across multiple sites.

Why It’s Worth It

One unexpected claim can cost thousands—or even millions—of dollars. Having the right protection ensures your business insurance covers not just your property, but also your reputation and financial future.

Are you ready to protect your business? Get a quick public liability insurance quote today and safeguard your business for the future.