Public Liability Insurance
Protect your business from third-party injury and property damage claims with public liability insurance designed for Australian businesses, tradies, and contractors.
Protect your business when things go wrong around people and property
Everyday tasks can lead to costly claims. A customer slips on a wet floor. A subcontractor damages underground services. A member of the public is injured by falling materials near your worksite. These are all public liability events.
Public liability insurance helps cover your business if a third party alleges you caused injury, death, or property damage. It can respond to legal defence costs, court-awarded damages, and some associated expenses, subject to policy terms and conditions.
Coverite Insurance works with contractors, civil and construction firms, trades, SMEs, and professional operators across Australia. We review your contracts, risk profile, and work activities, then help you secure cover that aligns with the way you operate – not just a generic off-the-shelf policy.
Public liability insurance for businesses that work around people, property, and public spaces
Whether you are on a building site, in a client’s home, or operating a busy retail space, third-party claims are part of doing business. We support businesses of all sizes, from sole traders through to multi-branch operations, by arranging public liability cover that reflects real-world exposure, contract requirements, and jurisdictional differences across each state.
Trusted Support When It Matters Most
Public liability claims can be stressful, complex, and expensive. Coverite supports you at every stage from incident reporting to insurer negotiation ensuring you’re never left to deal with it alone.
Why clients choose us:
- Dedicated brokers who understand your industry
- Expert guidance during incidents
- Clear communication and quick turnaround
- A genuine, people-first partnership
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your business and what you require, then we'll search far and wide to find the right insurance.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key public liability cover we help arrange
Third-Party Injury & Property Damage
Covers your legal liability if a third party alleges you caused bodily injury, death, or property damage in connection with your business activities.
- Responds to covered slip-and-fall and accident claims on your premises or worksite
- Can extend to work performed at client locations, in public spaces, or in common areas
- Includes defence costs and legal representation, even if a claim is unfounded
- Limits and excesses tailored to contract requirements and risk appetite
Goods You Sell, Supply, or Install
Protects your business if a product you manufacture, import, supply, or install causes injury or property damage after it has left your control.
- Important for trades, manufacturers, wholesalers, and retailers
- Can respond to property damage from faulty components or installation
- Supports recalls and product investigations where available under policy
- Helps you satisfy retailer, wholesaler, or head-contractor requirements
Contractual & Principal’s Liability
Many construction and services contracts transfer additional liability to you. We help you address those requirements within your public liability program where possible.
- Review of indemnity, hold-harmless, and waiver of subrogation clauses
- Options for principal’s indemnity where required by major contracts
- Guidance on when you may be assuming uninsured liability
- Alignment of limits and endorsements with head-contractor expectations
Care, Custody & Control Extensions
Standard public liability often excludes property in your care, custody, or control. Certain industries need this gap addressed.
- Optional cover for client property you work on or store
- Suitable for mechanics, repairers, installers, and IT service providers
- Limit and conditions set to reflect the value of property handled
- Helps avoid costly uninsured losses to customer assets
Vibration, Removal of Support & Underground Services
Civil, construction, and earthmoving work can easily damage neighbouring structures or underground assets.
- Options for vibration and removal of support where required
- Cover for accidental damage to underground pipes, cables, and services
- Important for excavation, piling, trenching, and civil contractors
- Can be structured alongside contract works and plant cover
Contractual & Principal’s Liability
Depending on your industry and risk profile, we can explore additional protections available under public liability policies.
- Cross-liability and severability of interest for multiple entities
- Advertising liability and defamation where applicable
- Automatic cover for subcontractors or specific arrangements where allowed
- Higher limits or excess layers for contracts with significant exposure