Whether you’re a tradie, café owner, retailer or consultant, accidents can happen. Let AIB help you find public liability insurance to keep your Qld business protected.
Public liability insurance protects your business against claims of injury or property damage caused to third parties while carrying out your work. Whether you’re a tradie, café owner or consultant, accidents can happen – and without adequate cover, the financial consequences can be severe.
Having public liability insurance in Queensland provides peace of mind that your business is protected if a customer, supplier or member of the public takes legal action against you for negligence. It covers your legal defence costs and any compensation awarded, helping safeguard your reputation and finances.
If you have direct contact with the general public then this cover is going to be a necessity for your business. AIB can help you find a policy tailored specifically to your business needs, industry and budget.
While Public Liability Insurance isn’t mandatory for most businesses, it is one of the most important business insurance policies you could invest in. However, there are a number of business types where Public Liability Insurance is mandatory. For example, a plumber or electrician in Qld can only obtain or renew their license if they have public liability insurance cover.
Most businesses that interact with customers, suppliers or the public should have liability cover. It’s particularly important for:
Even if you operate from home, public liability insurance protects you when visiting clients or if clients come to you. Many clients, landlords and councils also require proof of cover before work begins.
You should strongly consider Public and Product Liability Insurance if:
At AIB we can tailor insurance packages suited specifically to your needs. As business insurance experts, we can find policies, negotiate insurance contracts and create bespoke packages, regardless of your industry.
Public liability is frequently combined with products liability insurance and will generally cover the costs of investigating, defending and settling claims made against your business as well as any compensation that you are found liable to pay. It can even cover emotional distress or shock that your business causes another person.
At AIB, we can tailor public liability insurance in Qld to your industry and risk profile, ensuring you only pay for the protection you genuinely need.
Some of the things your policy may cover you for include:
At AIB Insurance Brokers, we’ve been helping Queensland businesses protect what matters most for more than 40 years. Our experienced team takes the time to understand your operations and recommend the right public liability insurance in Qld for your needs.
Whether you’re a tradie, small business owner or national operator, AIB can help you secure the right public indemnity insurance to protect your livelihood.
Get started today by requesting a free, no-obligation quote. Our team is ready to help you customise the perfect insurance solution for your small business, giving you peace of mind to focus on what you do best – growing your dream.
Contact AIB Insurance Brokers now to ensure your small business is protected against tomorrow’s uncertainties. Because at AIB, we’re not just your brokers—we’re your partners in success.
Public liability insurance protects your business if a customer, supplier, or member of the public suffers injury or property damage because of your business activities. It covers the legal costs and compensation you may be required to pay, helping safeguard your finances and reputation.
Public liability insurance typically covers third-party injury, property damage and related legal expenses. It can also include product liability, which covers damage or injury caused by goods you have sold, supplied or installed.
Any business that interacts with customers, suppliers, or the public should consider liability insurance. This includes tradespeople, retailers, hospitality operators, consultants, fitness professionals, and event organisers.
Yes. Even if you’re self-employed, you’re still responsible for any damage or injury your business activities cause. Public liability insurance ensures you’re financially protected if a claim is made against you.
Public liability insurance covers injury or property damage that occurs during the course of your business operations, while product liability insurance specifically covers harm caused by products you manufacture, sell, or distribute. Many business policies combine both under one policy for complete protection.
Public liability insurance protects against physical injury or property damage claims. Professional indemnity insurance, on the other hand, covers financial loss suffered by a client due to your professional advice, error, or omission. Businesses that provide advice or consultancy often need both.
Public liability insurance isn’t legally required for every business in Queensland. However, it’s mandatory for certain industries. For example, a plumber or electrician in Qld can only obtain or renew their license if they have public liability insurance cover.
The right level of cover depends on your business activities, size, and client requirements. Most small businesses choose between $5 million and $20 million in cover to ensure adequate protection.
Yes. AIB Insurance Brokers can arrange tailored business packages that combine public liability with professional indemnity, management liability, or business interruption insurance for comprehensive coverage.
