Protect your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as damage to property owned or controlled by someone else which also occurs as result of your business activities.
This is a summary only, for the full details of what is and is not covered, please read your Product Disclosure Statement (PDS).
As a business owner you are accountable to third parties that come into contact with your business – including customers, suppliers and anyone else who may be involved with your business. If damage or an accident occurs while you’re carrying out your business, the impacted person may take legal action against your business, which can result in costly legal fees as well as the obligation to pay for the damage or injury you may have caused.
If you work with clients or customers, in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products; public liability insurance can assist you against potentially costly personal injury or property damage claims.
CGU Public Liability Insurance can cover your business for:
This is a summary only, the full details of what is and is not covered, please read your PDS.
Things Public Liability doesn’t cover you for include:
Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs. Sometimes the amount of Public Liability Insurance you need will be dictated by the contracts you work on – for example, some corporate and government contracts will stipulate a minimum amount of Public Liability.
CGU offer multiple levels of Public Liability cover which can be purchased from us directly online or over the phone:
If you need more cover, call us on 13 24 81 (8am–8pm AEDT, Mon–Fri).
Public Liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.
Some examples of scenarios that might be covered under your Public Liability policy would be:
Public Liability Insurance doesn’t cover losses arising from you providing professional services or advice to clients.
Professional Indemnity Insurance protects you and your business from claims of financial loss arising from an act, error or omission in the performance of professional services. Find out more about Professional Indemnity Insurance.
1 You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer may be withdrawn at any time and is subject to the full terms and conditions.