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
Barry S
12 hrs agovery easy to follow the online quote and renewal. competitive rates
Zebedee S
13 hrs agoeasy online insurance with fast and simple claims process
Joao Pedro S
14 hrs agoI've had my boat insured with New Wave Insurance for several years, and it's always been a smooth and hassle-free experience, and they consistently offer competitive prices
Chris S
17 hrs agoComprehensive coverage.
Chris E
yesterdayGreat service from New Wave once again.
John L
yesterdayGood service on a previous claim
Gordon C
2 days agoPremiums are reasonable & I haven’t had any claims.
David P
4 days agoPrompt and accurate responses to queries
Alan G
4 days agoGreat company to deal with, very professional and excellent value.
TGI FABRICATION I
4 days agoNo fuss boat insurance
Chris G
6 days agoReliable with modest annual increases
Aaron I
6 days agoNew Wave Insurance has been very easy to deal with.
Bruce U
7 days agoPretty good service
Dylan W
7 days agoGood Company, I have used New Wave Insurance for the past 2yrs and Im renewing for the 3rd year.
Colin H
7 days agoFirst time I've used New Wave, getting g cover is straight forward,but its a significantly more than others
Michael L
a week agoNew Wave was very helpful with an incident that occurred in 2025 that involved my boat. They were responsive and expert in their assistance and the outcome was very agreeable.
John S
a week agoMy absolute no fault claim has resulted in significant increases in my insurance costs.
Peter B
a week agoEasy to pay and good reminders
Natalia K
a week agoEasy to use and good customer service
Luke A
a week agoEasy insurance
Mitchell F
a week agoThis is the only boat insurance I've had or would think of having.
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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