LIABILITY COVER
Public Liability Insurance for Australian Businesses
Public liability helps protect your business if your activities cause injury to another person or damage to their property.
Search intent
Liability wording matters when a claim arrives
Two public liability policies can look similar on price but respond differently once contracts, subcontractors, products, heights, heat work or high-risk sites are involved.
For businesses that need liability cover for customers, contractors, sites, events or contracts.
Contract requirements
Principals, landlords and councils may require specific limits, noting interests or evidence of currency.
Excluded activities
Some policies restrict heights, locations, products, imports, hazardous work or subcontracted activities.
Products exposure
Manufacturers, retailers and importers may need products liability reviewed alongside public liability.
Cover structure
Public liability areas we review
We match policy wording to how the business actually works, not just the industry label on a quote form.
Third-party injury
Claims where another person alleges injury connected to your business activities or premises.
Third-party property damage
Damage to customer, landlord, principal or public property caused by business activities.
Products liability
Liability arising from products you sell, supply, manufacture, import or distribute.
Contract and site obligations
Limit checks, principal requirements, subcontractor conditions and certificates of currency.
Who it helps
Businesses that commonly need public liability
Broker process
How BOK approaches public liability
Understand your work
We review activities, locations, customers, products, subcontracting and contract obligations.
Compare policy wording
We check limits, excesses, endorsements and exclusions that may affect your business.
Support evidence requests
When clients need certificates or contract checks, we help keep documentation aligned.
Keep browsing
Related cover to review next
Business Insurance Package
Compare tailored business insurance packages for Australian SMEs. Bundle public liability, property, contents, theft and interruption cover with broker advice.
Open pageProduct Liability Insurance
Explore this related insurance page.
Open pagePlant, Equipment & Tools Insurance
Insurance advice for mobile plant, equipment and tools used by trades, civil contractors and construction businesses across Australia.
Open pageFAQs
Common questions about public liability
What limit of public liability do I need?
It depends on your contracts, occupation and risk profile. Many businesses are asked for $10 million or $20 million, but we review the actual requirement before recommending a limit.
Does public liability cover my employees?
Public liability is for third-party injury or property damage. Employee injuries are usually handled under workers compensation or related statutory arrangements.
Is products liability included?
It is often included with public liability, but the wording and exclusions matter. Product sellers, importers and manufacturers should have this reviewed carefully.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.