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
Michael M
3 hrs agoive not had to claim yet, but they provide good protection.
Jon P
8 hrs agoAlways been a delight interacting and communicating with the friendly people @ New Wave!
Craig R
13 hrs agoreally good service
Sean S
yesterdayGreat service
Maree E
yesterdayThis is our 3rd year with New Wave while we haven’t experienced their claim process so cannot comment but to date the renewal follow-up is excellent.
Laurent G
yesterdaySuch an easy process!
Dylan R
2 days agoEasy to deal with
Justin F
2 days agoGreat insurer, good communication and easy to follow website.
Peter H
3 days agoGreat-value insurance. New Wave is very good at communicating with us.
Nicholas T
4 days agoSimply Easy
Paul H
4 days agoGreat policy
Jaco B
4 days agoVery easy to apply
Wayne J
6 days agoExcellent customer service....Great response
Julian L
7 days agoYet to claim but good service for last few years
Tim M
a week agoThe team at New Wave have been prompt, courteous and professional in all my dealings. Very helpful.
Aaron P
a week agoGreat insurance
Mark R
a week agoGood service, prompt and helpful resolution of my claim in Feb 2024
Robert H
a week agoGood company with competitive prices
Mark H
a week agoVery happy with service
Thiago H
a week agoAmazing company. Always get my quotes without hassles. Highly recommended.
Joshua P
a week agoGreat insurance. Great pricing.
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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