Public Liability Insurance Qld

Get the Right Cover for Your Business in Queensland

Running a business in Queensland means dealing with people, whether they’re customers, suppliers, or the general public. But what happens if something goes wrong? A simple accident, like a customer slipping in your store or a tradie accidentally damaging a client’s home, can turn into an expensive legal claim.

That’s where public liability insurance comes in. This essential cover protects sole traders, tradies, small businesses, and larger companies from costly lawsuits if someone is injured or their property is damaged because of your work.

For some industries, like electricians in QLD, public liability insurance isn’t just a good idea, it’s a legal requirement. Even if it’s not mandatory for your business, most clients, landlords, and contractors won’t work with you unless you have it.

Let’s break down everything you need to know about public liability insurance in Queensland, including costs, coverage, and how to get the best policy for your business.

Who Needs Public Liability Insurance in Queensland?

If you interact with clients, customers, or the public, you should seriously consider getting public liability insurance. In Queensland, this includes:

• Sole traders – If you work alone, you’re personally liable for any claims. Without insurance, you could end up paying for damages out of pocket.
• Small businesses – Whether you run a café, retail store, or cleaning business, public liability insurance protects you from unexpected legal costs.
• Tradies (plumbers, electricians, carpenters, builders) – Working on site or in people’s homes comes with risks, from damaging property to accidental injuries.
• Retailers and hospitality businesses – If you own a shop, bar, restaurant, or market stall, you’re responsible for customer safety.
• Freelancers and self-employed professionals – Even if you work from home, clients visiting your premises or using your services could make a claim.
• Event organisers and market stall holders – Most venues and councils require stallholders and event planners to have public liability insurance before they can operate.

If you’re not sure whether you need cover, ask yourself one question: Could someone hold you responsible if they got injured or their property was damaged because of your business? If the answer is yes, you need public liability insurance.

Is Public Liability Insurance Mandatory in QLD?

Public liability insurance is not legally required for all businesses in Queensland, but some industries must have it by law.

• Electricians in Queensland – If you’re applying for an electrical contractor’s licence, you’re legally required to have at least $5 million in public liability insurance, plus a minimum of $50,000 in consumer protection cover. This is set out in the Electrical Safety Regulation 2013.
• Builders and contractors – While it’s not legally required, many construction contracts won’t hire you without insurance.
• Market stall holders and event organisers – Many councils and venues require public liability insurance before allowing you to trade.

Even if it’s not mandatory for your business, having public liability insurance is a smart move. Many businesses simply won’t work with you if you’re not insured.

What Does Public Liability Insurance Cover?

Public liability insurance protects your business from claims made by third parties (customers, clients, or the general public). This includes:

• Injury to a third party – If a customer slips on a wet floor in your café or a tradie drops a tool that injures someone, you’re covered for compensation costs.
• Property damage – If you accidentally damage a client’s home while working or a delivery driver crashes into a customer’s car, your insurance will cover the costs.
• Legal fees – If someone takes legal action against you, public liability insurance covers lawyer fees and court costs.

However, it doesn’t cover things like employee injuries (you’ll need workers’ compensation for that) or faulty workmanship.

Public Liability Insurance Cost in QLD

The cost of public liability insurance in Queensland varies based on a few key factors:

• Industry risk – Higher risk industries like construction or electrical work generally pay more than a low risk office based business.
• Business size – The more staff and higher revenue you have, the more coverage you’ll need.
• Coverage amount – Most businesses choose between $5 million, $10 million, or $20 million in cover. The higher the coverage, the higher the premium.

Typical cost range:

• Sole traders & low-risk businesses – Around $30 -$60 per month
• Small businesses & tradies – Around $60 – $150 per month
• Higher-risk industries – Can be $150+ per month

Want an exact price? Get a quote in minutes!

Best Public Liability Insurance for QLD Businesses

Choosing the best public liability insurance in QLD depends on your business needs. Here’s what to look for:

• Adequate coverage – Choose a coverage amount that protects you without overpaying.
• Fair pricing – Compare policies to get the best value. Cheapest isn’t always best.
• A trusted provider – Look for experienced insurers who understand your industry.
• Clear exclusions – Always check what’s not covered to avoid surprises later.

Need help? An insurance broker can compare policies and find the best deal for your business.

How to Get a Public Liability Insurance Quote in QLD

Getting covered is quick and easy. Here’s how:

Get an instant online quote – Fill out a short form and see your options in minutes.
Speak to a broker – Get expert advice tailored to your business 1800 090 888.
Choose your coverage – Pick a policy that suits your budget and risk level.
Get covered today – Start your policy and protect your business instantly.

Click “Public Liability Quote Request” now or call us for a quick, no-obligation quote!