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Public liability insurance for small business

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.

Cover amounts & key limits

Understand common cover levels ($5m, $10m, $20m), plus limits and excesses that can affect your protection and price.

Compliance & certificate of currency

Know when venues, councils, or contracts require proof of cover and what to check before you start work.

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.

NSW • VIC • QLD • Australia-wide

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Practical, Australia-focused guidance

Designed to help you understand cover, meet requirements, and make confident decisions for your small business.

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Brett A

13 hrs ago

Verified

Easy to update, renew & pay for policy renewal.

Hayley J

18 hrs ago

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Great policy

Christopher G

3 days ago

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absolutely great company to work with

Terry H

3 days ago

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Find very easy to deal with

David D

4 days ago

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Easy process to renew

Simon B

4 days ago

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Been with Newwave for over 12 months, they stay on top of reminders really well.

John V

5 days ago

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Good response

Fabrice G

5 days ago

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Insure me up in Exmouth, allways some one to answer questions. I’m happy about it.

Greg E

5 days ago

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Simple and easy way to insure my vessel. Highly recommend this service to anyone.

Padraig B

6 days ago

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Good service

Andrew S

6 days ago

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Quick efficent service

Harold P

6 days ago

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Simple and easy to work with

Barry W

7 days ago

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New Wave has been my go to for insurance for the last 6 years. Their rates are affordable, and their staff has been informative and helpful over the years.

Peter G

7 days ago

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easy to deal with

John I

7 days ago

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You guys are great it’s all so easy

Wyatt J

7 days ago

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Easy, simple great insurance. Definitely recommended.

Stephen D

a week ago

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Good service

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The Estate of Edward D

a week ago

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satisfactory service and online process

Callum W

a week ago

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Very good

Dain O

a week ago

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Easy boat insurance

Todd S

2 weeks ago

Verified

Expensive

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Why Public Liability Insurance Matters for Australian Businesses

Discover why Public Liability Insurance is an important consideration for Australian small businesses and tradies. Learn how it works, what it may cover, and how it can help manage risks from third-party injury or property damage claims—helping support business continuity.

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Public Liability Insurance Cost Australia: What Businesses Can Expect to Pay

Wondering about public liability insurance cost in Australia? This guide explains average pricing, key factors that affect premiums, and what sole traders, small businesses and tradies can expect to pay. Policies start from just $25 per month for eligible businesses.

Do You Need Public Liability Insurance? A Comprehensive Guide (Australia)

A detailed Australian guide explaining whether you need public liability insurance. Learn when sole traders, market stall holders and small businesses may be legally or practically required to hold cover, how Australian regulations work, and what risks public liability insurance protects against

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New Wave Insurance is a trading name of Hiller Marine Pty Ltd. (ABN 88 611 606 029, AFSL 553722). Copyright © 2026 Hiller Marine. Hiller Marine manage the distribution of this insurance product on behalf of the underwriter. New Wave Insurance does not act on Your behalf.