Public Liability Insurance for Australian Businesses

Cover for third-party injury or property damage caused by your work.

What it covers

Public liability insurance protects your business if someone is injured, or their property is damaged, because of your work. It covers the compensation and legal costs that can follow.

Third-Party Injury

Someone hurt because of your work.

Property Damage

Damage you cause to a client’s property.

Legal Defence Costs

The cost of defending a claim, covered.

On-Site or On Premises

Incidents at your place or the job site.

how it works

Tell Us What You Need

Answer a few quick questions about your business situation. No jargon, just the basics.

Get Expert Advice

Our licensed advisors review your info and recommend tailored insurance solutions,explained in plain English

Choose Your Cover

Review your options, ask questions, and select the plan that fits. Once you’re happy, we’ll handle the paperwork and get you covered.

Why Business Owners Choose Cover Quest

More than just insurance, it’s expert protection built around your business.

Trusted by Small Businesses Nationwide
We match cover to how and where you work.
Fast, Hassle & Free Quotes

Quick, no-fuss process, no jargon, no stress.

Local Experts, Real Support
Real advice from licensed Aussie advisors.
Affordable & Flexible Plans
Only pay for what you need. Adjust or scale anytime.

Who it is for

Public liability is the cover most businesses are asked before start a job, win a contract or rent a space.

Sole Traders & Self-Employed

The cover clients expect when you work for yourself.

Tradies & Contractors

Certificate of currency, sorted fast.

Retailers, Cafes & Shopfronts

Protection wherever the public walks in.

Contract & Site Requirements

Proof of cover when a client or site asks.

Why Clients Trust Us

Cover Quest made getting insurance easy and stress-free. Highly recommended!

Jack Williams

Business Owner

Their team really helped me understand what I needed without overselling.

Terri Davies

Freelancer

Got the perfect business cover without the stress.

Mark Stevens

Small Business Owner

Income protection payments kept me afloat during recovery.

Sarah Mitchell

Freelance Copywriter

Now my family’s future feels secure

James O’Connor

Electrician & Dad of Two

Frequently Asked Questions

It covers compensation and legal costs if your business causes injury to someone, or damage to their property, in the course of your work. It does not cover your own injuries or your own equipment.

Most small businesses hold $5m, $10m or $20m. The right level often depends on your industry and what your clients or worksites require. Many contracts and council or principal-contractor agreements specify $10m or $20m.

A certificate of currency is proof your cover is active, which clients and sites often ask for. Once cover is arranged, we can usually provide one quickly, with many policies issued within 24 to 48 hours.

Often, yes. Even as a one-person business, many clients, landlords and contracts require proof of public liability before you can start work.

Yes. Tradies commonly add tools of trade cover to a public liability policy so their equipment is protected against theft and damage.

It depends on your trade, turnover and the cover level you choose. The quickest way to know is a free, no-obligation quote, our advisors can give you a figure in minutes.

1,500+

Australians Protected

From sole traders to growing families
we’ve helped thousands find the right cover.