Whether you’re a tradie, café owner, retailer, consultant or growing business, working with customers and the public comes with risk. AIB can help you find public liability insurance suited to your Queensland business, industry and contractual requirements.
From customers visiting your premises to contractors working on-site, everyday business activities can expose you to claims for personal injury or damage to someone else’s property.
Public liability insurance can help protect your Queensland business against the financial consequences of these claims, including certain legal defence costs and compensation you may become liable to pay, subject to the terms, conditions and exclusions of your policy.
For some Queensland businesses, public liability insurance is also more than a precaution. Certain licensing arrangements, contracts, landlords, councils, clients or principal contractors may require you to hold a particular level of cover and provide evidence of insurance before you can carry out work.
AIB Insurance Brokers can help assess the risks associated with your operations and arrange appropriate public liability cover from suitable insurers.
Want to understand the cover in more detail? Learn more about public and product liability insurance.
Public liability insurance isn’t compulsory for every Queensland business, but it can be important for businesses that deal with customers, work at third-party premises, operate in public spaces or undertake work that could cause injury or property damage.
Queensland businesses that commonly consider public liability cover include:
Your insurance requirements can also be influenced by the contracts you enter into. The Queensland Building and Construction Commission notes that many construction contracts require contractors to carry public liability insurance.
Whether insurance is legally required or commercially expected depends on your industry, licence, contracts and business activities. An AIB broker can help you identify the requirements relevant to your particular business.
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 insurance is not compulsory for every business in Queensland. However, some businesses may need cover because of licensing requirements, contractual obligations or conditions imposed by clients, landlords, councils or other organisations.
For example, Queensland electrical contractors must hold insurance that complies with the Electrical Safety Regulation 2026. This includes at least $5 million in public and products liability cover, together with at least $50,000 in consumer protection insurance.
Businesses working in construction may also encounter public liability requirements within their contracts. QBCC advises that most building contracts require contractors to hold public liability insurance and contract works insurance.
Requirements differ between industries and individual contracts, so it is important not to assume that one type or level of cover will suit every Queensland business.
AIB can help you review your insurance requirements and arrange cover suited to your business activities, contractual obligations and risk profile.
The appropriate public liability policy and level of cover will depend on how your Queensland business operates. When helping you arrange insurance, some of the factors an AIB broker may consider include:
Rather than simply comparing premiums, it’s important to consider whether the policy reflects the activities and liabilities your business actually faces.
For a detailed explanation of what public liability policies may cover, visit our Public and Product Liability Insurance page.
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 is not compulsory for every Queensland business. However, it may be required for certain licences, contracts or work arrangements. Queensland electrical contractors, for example, must hold insurance meeting specific public and products liability requirements to maintain an electrical contractor licence. Other businesses may be required to provide evidence of public liability insurance by clients, landlords, councils or principal contractors.
Yes. Queensland electrical contractors must hold an insurance policy that includes at least $5 million in public and products liability insurance and at least $50,000 in consumer protection insurance. The policy must also meet additional requirements set out under the Electrical Safety Regulation 2026.
Being a sole trader does not automatically make public liability insurance compulsory. However, sole traders can still be held financially responsible if their business activities cause injury to another person or damage to third-party property. Your clients, work sites, contracts or industry may also require you to hold cover.
There is no single level of cover suitable for every Queensland business. The amount you need depends on factors such as your industry, business activities, contracts, location and the risks associated with your work. Some licences or contracts specify minimum levels of cover, so these requirements should be checked before arranging a policy.
Yes. Clients, principal contractors, landlords and other organisations may ask you to provide a Certificate of Currency as evidence that your public liability policy is current. AIB can assist clients with obtaining policy documentation and Certificates of Currency where required.
Premiums can vary according to factors including your occupation, turnover, number of employees, business activities, previous claims, required limit of cover and the level of risk associated with your work. An insurance broker can obtain and compare suitable options based on the circumstances of your business.
Yes. AIB works with businesses throughout Queensland. You don’t need to be located near an AIB office to access advice and support from our brokers.
