Public Liability Insurance Broker

Public Liability Insurance Broker to obtain Public Liabililty Insurance is the smartest thing you can do for your business.

Public Liability Insurance Broker

Public Liability Insurance Broker to obtain Public Liabililty Insurance is the smartest thing you can do for your business.

The Importance of a Public Liability Insurance Broker

What is a Public Liability Insurance Broker?

A Public Liability Insurance Broker is an Insurance Specialist that sources and provides Public Liability Insurance policies to businesses. Specialist Brokers get to know you, your business, and your specific requirements, and do an analysis of the market to source the most comprehensive and competitive cover for your business.

A Public Liability Insurance Broker will communicate to you the findings, after approach a large panel of insurers and underwriters on your behalf. In their communications to you and your business, the cover, exclusions, and benefits are clearly explained so you know exactly what you’re covered for.

What is Public Liability Insurance?

A comprehensive Public Liability Insurance policy covers your business against claims brought against you by third parties for personal injury, property damage, and advertising liability as a result of your negligence in your day to day business activities.

Does using a Public Liability Insurance Broker save money?

Fortunately, by engaging in the services of a Public Liability Insurance Broker, you will be guarnteed savings. With access to over 150 insurers and underwriters, savings are almost guarenteed. Insurance Brokers also have extraordinary negotiating power which means we have access to further discounting with the insurers.

Why you should engage Morgan Insurance Brokers as your preferred Public Liability Insurance Broker

Engaging Morgan Insurance Brokers as your preferred Public Liability Insurance Broker ensures that your business is adequately protected. We provide sound and solid advice that you can trust.

We are specialists in insurance over a vast array of industries including construction, e-commerce, financial services, and manufacturing.

Morgan Insurance Brokers are dedicated to long term relationships with all of their clients and strive to have the fastest service times to inbound queries. We like to do it all, whilst you continue on focusing on doing what you do best, growing your business.

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Some examples of a Public Liability Insurance Claim:

  • A customer slips and falls on a wet floor in your store.
  • A passerby trips over equipment left outside your premises.
  • Someone is injured by a falling object in your shop.
  • If a delivery person sustains an injury due to poor lighting in your parking lot.
  • A visitor suffers food poisoning after consuming food at your event.
  • A guest at your hotel slips on a staircase without proper handrails.
  • A customer is injured by a faulty chair or table in your restaurant.
  • A client’s property is damaged by a contractor working on your behalf.

All of the above scenarios have the potential to be covered under your insurance policy if negligence is determined. In the event that you are not found to be negligent, rest assured that your insurer will assume the responsibility of covering the legal expenses associated with defending your case.


As your preferred Public Liability Insurance Broker, Morgan Insurance Brokers can source Public Liability insurance policies that offer general protection for your business, which may include cover against:

Personal Injury and Property Damage

Public Liability is an Insurance that is designed to protect you and your business from the financial implications that could occur as a result of harm suffered by customers, clients, and the general public, due to your negligence. This includes Property Damage, Personal Injury.

Products Liability

Products Liability is standardly included in a Public Liability policy and is also designed to protect you from the financial implications that result from personal Injury that occurs from your items that you sell.
These items could directly or indirectly cause harm by the use and/or consumption of your products.

Public Liability Insurance Broker

Advertising Liability

Advertising Liability is to protect you from the financial implications of advertising your products and services in a way that is misleading and causes third parties to suffer as a result.

What is typically not covered?

Public Liability Insurance policies can protect your business from a wide range of circumstances. From a large scope of different business activities, to different policy extensions and covers. However, not all policies are created equal and many contain standard, and also industry specific exclusions that could see your business exposed. It pays to engage us as your preferred Public Liability Insurance Broker.

Public Liability Insurance Broker

Deliberate acts

Public Liability Insurance Broker

Product recall costs

Public Liability Insurance Broker

Injuries to your employees

Public Liability Insurance Broker

Professional advice

Public Liability Insurance Broker

Aircraft products

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Asbestos Liability

Public Liability Insurance Broker

Pollution Liability

Public Liability Insurance Broker

Contractual Liability

Public Liability Insurance Broker


Public Liability Insurance in Australia is not compulsory to start or run a business. In many cases, it is an optional layer of protection for businesses as it provides them with peace of mind that what they’ve worked so hard to build is safe. In the case where it is not optional, individuals or companies commonly request that you insure for Public Liability before they will engage your services. An example is a Head Builder or Head Contractor requesting current Public Liability Insurance as part of their requirements to allow your business or company to perform works on their construction site.

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Why should you disclose subcontractor usage to your Public Liability Insurance Broker?

Navigating the intricacies of insurance coverage in subcontractor-related scenarios is extremely important to protect your business. By understanding your insurance policy and its implications in subcontractor engagements, you can proactively mitigate potential liabilities and ensure you have comprehensive protection for your business.

A subcontractor is usually an individual or a company that is engaged to perform specific tasks or services as part of a project.

A subcontractor may be engaged because of their skills, expertise, knowledge, equipment or resourses they can provide in order to complete a job.

Yes, you have to disclose to your insurance company that you use subcontractors. The insurance companies need to know this information to adequately calculate your insurance premiums and also which policy conditions to add if you use subcontractors.

Subcontractors trade and operate under their own entity and ABN therefore they need to protect their own interests and this includes holding public liability insurance to protect themselves.

Other important covers include:

Workers compensation for their employees for any work related accient or illness;

Personal Accident and Illness which can provide an individual with a weekly benefit if they are injured or become sick and are unable to work

Tools of Trade/Portable items cover to provide reimbursement if tools are lost or stolen.

When a subcontractor, acting on your behalf, inadvertently causes property damage or bodily injury to a third party, it’s important to understand the implications for insurance coverage. In such instances, your insurance policy typically does not extend coverage to compensate for damages resulting from the subcontractor’s actions.

However, your insurance policy remains pivotal in addressing the fallout from such incidents. It will cover the legal expenses and defense costs incurred in responding to any claims lodged against you. If you are found liable for compensation, your policy will cover the associated costs up to the limits outlined in your coverage.

In cases where the subcontractor’s negligence is determined to be the cause of the damages, your insurance provider will seek reimbursement for the expenses incurred from the subcontractor’s insurance policy.

Worker to Worker Cover is when Public Liability Insurance responds to claims brought against you for your negligence for boidly injury to your contractors that you engage.

In the construction industry, it’s common knowledge that public liability insurance excesses are often higher for injuries sustained by contractors. These excesses can vary significantly, ranging anywhere from $10,000 to $100,000 per claim.

Consider this scenario: You enlist the services of a subcontractor to aid in a project, and they dispatch one of their employees to your site. If that employee sustains an injury while on your premises, they would typically file a claim with their employer’s workers’ compensation insurer.

The workers’ compensation insurer would then assume responsibility for the claim, covering expenses such as compensation, lost wages, medical bills, and any other related costs arising from the injury.

Subsequently, the workers’ compensation insurer may conduct an investigation to ascertain the circumstances surrounding the incident. Should negligence on your part be identified, they may seek to recover costs from your business. It is at this juncture that your public liability insurance policy would come into play, providing coverage in the event of a negligence claim.

Subcontractors play a significant role in many projects, and their actions can directly impact the safety and success of your operations. Ensuring that subcontractors have public liability and workers compensation insurance coverage helps mitigate the financial risks associated with their work. If a subcontractor causes property damage, bodily injury, or other liabilities, their insurance coverage can help cover the costs, reducing the financial burden on your insurane claims history.

When enlisting the services of a subcontractor operating under their own (ABN), it is customary for them to maintain their own insurance coverage. However, there are circumstances where such subcontractors may operate under conditions that warrant extension of coverage under your public liability insurance policy.

In scenarios where a subcontractor works exclusively for your company, operating under your full control and direction, and undergoes onboarding and induction processes like those of regular employees, it may be possible to extend your public liability insurance to provide protection for them. However, it’s crucial to note that this extension typically requires prior approval from your insurer.

How Morgan Insurance Brokers can help you

In the vast landscape of insurance options, it’s crucial to recognise that not all insurers and policies are equal. With numerous clauses and exclusions that can significantly affect your business, it’s vital to read and understand the fine print thoroughly. As a specialist Public Liability Insurance Broker, we ensure you have adequate insurance coverage tailored to your unique requirements.
“We work for you, not the insurer”

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Frequently Asked Questions

Public Liability Insurance can be standalone, or it can be insured in conjunction with a Business Insurance Package Insurance policy.

Business Insurance is highly tailorable policy that can cover the below:

  • Property insurance – covers damages or losses that occur to any of your buildings, stock, contents or equipment.
  • Liability insurance – covers claims made by others against you due to injuries or damages sustained by your business and employees that you are liable for.
  • Business Interruption – protects your turnover if you were to suffer an unforeseen event that interrupted your trade.

Purchasing Public Liability insurance is one of the most important cornerstones to starting any small business and can provide coverage against unexpected events. Morgan Insurance Brokers can provide insurance coverage so that you can stay confident in your decision to go into business for yourself.

The cost of Public Liability Insurance can depends on factors such as:

  • The industry;
  • Annual Turnover
  • Employee numbers;
  • Location of premises;
  • Engage subcontractors;
  • Claims history;
  • Perceived risk by the insurers.

While reducing or forgoing insurance coverage may seem like a cost-saving measure in the short term, it can ultimately lead to financial losses if unexpected events occur. To mitigate potential risks and avoid unpleasant surprises, it’s essential to ensure you have sufficient insurance coverage tailored to your specific needs.

CContractual Liability occurs when you’ve explicitly agreed in writing, often within a contract, to accept all responsibility for personal injury or property damage regardless of fault. This obligation can be especially burdensome since it offers no advantage to you and may pose challenges in finding an Insurance Company willing to provide coverage for it. If you sign into any contracts to secure work, it is in your best interest to review the clauses to see what your obligations are. Having an insurance policy without this extension could result in uninsured Public Liability claims that you would be financially liable to pay.

Contractual Liability isn’t automatically part of a Public Liability policy; you need to request and obtain approval from your insurer. Morgan Insurance Brokers can review your current Public Liability policy to advise you if it will extend to protect you and if not, source a policy that can.

Paying your insurance in monthly instalments is a great way to manage your finances. The benefit of paying monthly insurance you can spread out the cost of your insurance premium over time, which means you don’t have to worry about paying it all at once.

Public Liability Insurance isn’t mandatory but is recommended for any business that deals with the public. It protects the company from any legal liability arising from accidents or injuries caused by its employees and contractors

As your Public Liability Insurance Broker, we will ask you various questions about your business to enable us to source Insurance on your behalf. Questions include:

– The type of business you have (e.g., retail, restaurant)

– your business structure The type of business – sole proprietorship, partnership, proprietary limited company, corporation

– The size of your business (e.g., number of employees)
– Who you work with (e.g do you subcontract to another company?)
– Your annual revenue
– Your location

As your dedicated Public Liability Insurance Broker, we take the time to understand every aspect of your business. Leveraging the expertise of our experienced brokers, we engage with our extensive network of reputable insurers to secure a tailored insurance policy that aligns perfectly with your requirements.

As your dedicated Public Liability insurance broker, we prioritise your needs, advocating on your behalf, not the insurer’s. Our team offers expert guidance, assessing your current coverage and identifying any potential risks to your business.  We handle claims on your behalf, from start to finish, at no extra cost – from lodgement to settlement.

Submitting claims is an essential aspect of insurance policies. It’s the formal procedure through which you request compensation from your insurer after experiencing an insured loss.

The first step is to contact us and report the incident. You will need to provide us with as much information as possible, including:

– The date and time of the incident
– The location of the incident
– The type of incident
– A description of what happened
– Involved parties

Morgan Insurance Brokers can help you during a claim by providing advice on how to lodge a claim, and what to do if your claim is denied. We can also help you understand what your policy covers and how much insurer will contribute. We can assist with the facilitation of repairs and can negotiate with the insurers more favourable settlement outcomes.

Morgan Insurance Brokers can provide expert guidance by examining your business operations, client base, industry involvement, and work locations to help determine the ideal Public Liability Limit to safeguard your business. Options typically range from $5,000,000 to $20,000,000.

Your professional services, along with any subsequent advice, recommendations, or breaches of professional duty that lead to financial loss for your clients or third parties, are not typically covered under a Public Liability Insurance policy. Therefore, it’s essential to consider securing Professional Indemnity Insurance to safeguard your professional services.

Examples of professional services would be:

Lawyers, Insurance Brokers, Finance Brokers, Accountants, Consultants, Architects, Construction Management, Planning & Design works etc.

At Morgan Insurance Brokers, we conduct annual reviews to keep your insurance coverage current and perfectly suited to your changing needs. Plus, we stay in touch year-round to offer ongoing assistance and advice whenever you need it.

If your business undergoes any significant changes, please inform Morgan Insurance Brokers promptly. This ensures that your Public Liability Insurance remains effective and tailored to your current situation.

If you make a change to your policy, it may incur an additional charge by the insurer or underwriter. Morgan Insurance Brokers does not charge any admin or endorsement fees to make changes to faciliate your updated insurance cover.

You can note your landlord as an interested party on your Public Liability Insurance. These details will produce on your Certificate of Currency.

A Certificate of Currency is a document insurers generate to confirm active insurance coverage and receipt of payment.

It’s highly recommended that you insure for public liability insurance as not only does public liability insurance offer coverage for your sole trader business, but it also safeguards you in case a member of the public or one of your clients experiences an injury or property damage due to your business activities. It is not legally compulsary for sole traders to have public liability insurance, it can help protect you from potentially large legal and compensation costs.

Public Liability Insurance can provide cover for negligence by employees if it results in bodily injury or property damage to a third party.

Yes – A general liability insurance policy typically covers products liability, providing comprehensive coverage that also includes public liability insurance.

General liability insurance typically covers claims for bodily injury or property damage caused by your business operations, products, or premises. This includes coverage for products liability, which protects your business from legal liability for injuries or damage caused by products you manufacture, distribute, or sell.

In APRA’s May 2023 report, it was revealed that bodily injury claims are significantly impacting public liability insurance costs, with the primary factors being impacts, falls, and worker-related incidents. The analysis showed a total of 26,583 public liability claims, highlighting a stark contrast in claim costs: average payouts were $29,000 for smaller claims, soaring to $1,355,000 for more substantial claims. For a deeper understanding of these trends and the impact on insurance premiums, accessing APRA’s comprehensive report provides invaluable insights into the current landscape of public liability claims in Australia.

Public Liability insurance is designed to provide coverage for third parties in instances of property damage or personal injury that arise as a consequence of the actions or negligence of your business and its employees. It’s essential to understand that Public Liability insurance is to protect your business against claims made by external parties and does not extend its coverage to the directors or employees of the company for injuries sustained by them or damage to their own goods and equipment.

If you are conducting business using your own Australian Business Number (ABN), you need your own Public Liability Insurance. Public Liability Insurance will protect against legal claims brought against you for your alleged, or actual negligence.