Public Liability Insurance
Your hub for articles that help Australian small businesses understand public liability insurance, what it covers, typical costs, limits and excesses, and how to stay compliant.
Popular Guides and Tips
Discover practical explainers on how public liability insurance works for sole traders and small businesses, from tradies and cafes to retailers, consultants and start-ups. Learn how to choose a cover amount (for example $5m, $10m or $20m), understand exclusions, excesses and limits, and what affects your premium. We also break down contract requirements, venue and council requests, and when you may need to show a certificate of currency.
Find step-by-step advice on getting a quote, comparing insurers, and the claims process if an incident happens on a client’s site or at your premises. Our articles highlight Australian regulations and real-world scenarios across NSW, VIC, QLD and beyond, plus risk management tips to reduce claims and costs. New Wave Insurance, a trusted provider of small business cover in Australia, curates each piece to help you make informed decisions and protect your business with confidence.
What Our Customers Say
Real feedback from our valued customers
John B
13 minutes agoExcellent service. Unlike your competition there is no requirement to have a costly certificate concerning inboard diesel. Easy to deal with. Only issue is why a premium is charged for having the vessel on a marina. Notwithstanding, highly recommended.
Zachary B
yesterdayHaven't made a claim yet
Peter B
2 days agoWith several years coverage experienced, the renewal and recent "refund" together with timely and simple renewal is comforting.
Chris C
3 days agoGreat insurance
Gerard T
3 days agoHave had 3 policies, 2 boats 1 van, with you for the past year, haven't had to make a claim, thank goodness. Competitive in pricing.
Robert M
4 days agoGreat service
Mark B
4 days agoNew Wave have been fantastic to work with, very happy to be inured by them.
Leoni P
5 days agoClear renewal reminder and easy way to get a quote on your insurance and be able to change things and compare the difference in premium.
George S
6 days agoGreat Cover and best marine insurance company on the market.
Karl B
a week agoGreat service
Gary Robert F
a week agoI have been with New Wave for quite some time and found them easy to deal with. Recommended the highly.
Spencer R
a week agoExcellent service. I made a claim for 1 of my boats due to engine damage and New Wave Insurance made the process easy and efficient.
Michael s
a week agoGreat Service
Grant S
a week agoExcellent hassle free service .
Robert O
a week agogreat service
Ben L
2 weeks agoVery easy to deal with, competitive and you get to speak with real people. Easy fast process.
Nicole S
2 weeks agoComparable price. Recommend
Brian H
2 weeks agoGreat service and price
Alann R
2 weeks agoGreat value for small boat
Bilal A
2 weeks agoAlways help with any questions
Daniel Y
2 weeks agoGreat and easy to setup and manage. Great price and love the yearly reminders.
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- Discount applies to the premium paid for a new New Wave Insurance Boat insurance policy initiated online on or after 1 Jan 2021.
- The discount cannot be used in conjunction with any other offer.
- Discounts do not apply to any renewal offer of insurance or mid term endorsement quotes.
- Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees.
- We reserve the right to change the offer without notice.
- Only applies to New Business quotes
- Only applies to automatic online quotes
- If your quote request is referred to an underwriter they may or may not ask for a survey report