Public Liability Insurance Perth

Reliable Protection for Perth Businesses

Running a business in Perth comes with risks, no matter how careful you are. A customer could slip in your store, accidental property damage might occur on a job site, or an unexpected legal claim could arise when you least expect it. Without the right cover, these incidents could leave your business facing serious financial strain. Public liability insurance helps protect you from costly claims, giving you the security to focus on running and growing your business.

At PublicLiability.com.au, we provide affordable public liability insurance designed to suit your industry. Whether you are a tradie, a small business owner, or an event organiser, we help you find the right cover so you can operate with confidence.

PUBLIC LIABILITY QUOTE REQUEST

Understanding Public Liability Insurance

Public liability insurance helps protect businesses from financial losses if a third party is injured or their property is damaged due to your business activities. If a customer, supplier, or member of the public makes a claim against you, this insurance can cover legal fees, medical costs, and compensation payments. Having the right cover ensures your business remains financially secure and avoids unexpected setbacks.

Many businesses in Perth require public liability insurance to meet client, landlord, or council requirements. Having this cover not only protects your business but also demonstrates professionalism and responsibility, making it easier to secure contracts and build trust with customers.

Who Needs Public Liability Insurance in Perth?

If your business interacts with customers, suppliers, or the general public, public liability insurance is essential. This includes:

  • Small business owners – Whether you run a café, retail store, or professional service, this cover protects you from unexpected claims.
  • Tradies and contractors – Plumbers, electricians, and carpenters work in environments where accidental damage or injury can happen.
  • Event organisers – Many venues in Perth require public liability insurance for markets, expos, and other events.
  • Freelancers and mobile businesses – If you visit clients at their home or workplace, you need protection in case something goes wrong.

No matter what industry you are in, public liability insurance in Perth helps safeguard your business from costly claims.

What Does Public Liability Insurance Cover?

A typical policy includes:

  • Injury to third parties – Covers medical expenses and legal fees if a customer, supplier, or visitor is injured due to your business activities.
  • Property damage – Pays for repairs or replacements if your business accidentally damages someone else’s property.
  • Legal costs – Helps cover legal expenses if a claim is made against your business.
  • Product liability – If a product you sell or supply causes harm, this insurance helps cover the costs.

How Much Does Public Liability Insurance Cost in Perth?

The cost of public liability insurance in Perth depends on several factors, including:

  • Business type and industry – High-risk industries, such as construction, often have higher premiums.
  • Business size and turnover – Larger businesses or those with higher revenue may need greater coverage, affecting the cost.
  • Coverage amount – Standard policies typically range from five million to twenty million dollars.
  • Claims history – A clean claims record may help lower your premium.

For an accurate estimate, you can compare public liability insurance quotes through our quick and easy online process.

Why Choose PublicLiability.com.au?

Perth businesses rely on us for fast, affordable, and tailored insurance solutions. Here is what sets us apart:

  • Competitive pricing – We provide cost-effective public liability insurance options designed to suit Perth businesses of all sizes.
  • Local expertise – Our team understands Perth’s unique business landscape and will help you find the right level of cover.
  • Hassle-free process – Get a quote online in minutes and secure your insurance quickly, without unnecessary paperwork.
  • Tailored policies – Only pay for the coverage your business needs, with no extras you do not require.

Get Your Public Liability Insurance Quote Today

Unexpected incidents can put your business at financial risk. Public liability insurance is a simple yet essential way to safeguard your livelihood. Get a fast quote today by clicking the button below or calling 1800 909 888 to speak with one of our insurance experts.

Stay protected. Stay covered. Get public liability insurance today.

PUBLIC LIABILITY QUOTE REQUEST
  • Café and restaurant
  • Mobile food vendors
  • Butchers and bakers
  • Convenience store and supermarkets
  • Hairdressers and barbers
  • Nail technicians
  • Beauty therapists
  • Tattoo artists and body piercers
  • Massage therapists
  • Physiotherapists
  • Yoga and Pilates instructors
  • Removalists
  • Truck drivers and owner-operators
  • Accountants and bookkeepers
  • IT consultants and web developers
  • Photographers and videographers
  • Real estate agents
  • Personal trainers and fitness instructors
  • Wedding planners
  • Amusement ride operators
  • Mobile pet groomers
  • Mobile mechanics
  • Pest control operators
  • Cleaners (residential and commercial)
  • Couriers and delivery drivers
  • DJs and live performers

What factors influence the cost of Public Liability Insurance in Perth??

Several factors influence the cost of your public liability insurance in Perth, including:

  • Type of business activities – Industries like construction and manufacturing carry higher risks, which can lead to higher premiums.
  • Business size and revenue – Larger businesses or those with higher turnover may need more coverage, increasing the overall cost.
  • Claims history – If your business has made previous claims, insurers may consider it a higher risk, which can raise your premium.
  • Coverage limits – Choosing a higher coverage amount provides greater protection but will generally come with a higher premium.

For Perth businesses, understanding these factors can help you find the right balance between cost and coverage, ensuring you are protected without overpaying.

Does Public Liability Insurance cover incidents involving my employees?

No, public liability insurance does not cover employee injuries or illnesses. In Western Australia, these situations are covered by Workers’ Compensation Insurance, which is mandatory for employers under WorkCover WA. This insurance ensures that employees receive the necessary support, including wage replacement and medical expenses, if they suffer a work-related injury or illness.

If you run a business in Perth or anywhere in WA, having the right workers’ compensation cover is essential to meet legal requirements and protect your employees.

How can I obtain a Public Liability Insurance quote for my Perth based business?

Getting a public liability insurance quote is quick and easy with PublicLiability.com.au.

  • Use our online quote form – Get a fast, hassle-free quote in minutes. Simply fill out the form, and we will provide you with tailored options suited to your business needs.
  • Call our Perth based brokers – Speak directly to our experienced team who understand the local business landscape. We will help you find the right cover at a competitive price.

Can I pay monthly?

Absolutely. We offer both monthly and annual payment options to suit your budget.

What happens if I do not have public liability insurance?

If you operate without public liability insurance, you could be personally responsible for paying legal costs, compensation, and damages if someone sues your business for injury or property damage. These claims can be financially crippling, especially for small businesses, sole traders, and tradies. In some cases, clients, landlords, and local councils may require proof of insurance before allowing you to work.

Will my policy cover me across all of WA, or only in Perth?

Most public liability insurance policies cover you across Western Australia and Australia-wide, not just in Perth. If you work interstate or travel for jobs, it is important to confirm your coverage applies wherever your business operates.

Does public liability insurance cover online businesses?

If your online business has physical interactions with customers (such as deliveries, in-person consultations, or pop-up events), public liability insurance is essential. However, for risks related to cybersecurity, data breaches, or online transactions, you may need cyber liability insurance instead.