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
Jay R
8 minutes agoNew Wave is extremely easy to deal with, they have great systems to make it a great experience and they are price competitive.
Richard W
2 hrs agoI have found New Wave Insurance very User friendly.
Michael (Mike) B
2 hrs agoEasy to insure with
Terry B
17 hrs agoEasy to get the insurance we needed n
Tristen M
24 hrs agoEasy to deal with and friendly staff
Deni R
yesterdayGreat service
Simon L
2 days agoEasy online quote and transactions
Grahame E
2 days agoGreat price
David C
3 days agoBeen great to deal with
Barry G
3 days agoSimple and easy like insurance should be
Francisco A
3 days agoExcellent service. Haven't used the insurance luckily but any question I had was addressed promptly.
Gary H
3 days agoLove the easy way to renew this policy
Joel B
5 days agoGreat service
Robert B
5 days agoI have insured my cruiser with New Wave Insurance for the past 6 years and found the originally policy application and each renewal simple and easy to navigate. I feel confident with the scope of cover and have every reason to believe that in the unlikely event of a claim that New Wave Insurance will guide me through the process.
Scott J
7 days agoNew Wave has been good so far. I haven't had to make a claim yet though.
Anthony B
7 days agoVery helpful when I needed it
Samuel C
a week agoGreat insurance company and provide great reminders for when it is due making sure you don’t miss the payment
Gary M
a week agoWe have had our boat insured with New Wave Marine for a number of years and have not had any issues
Kyle N
a week agoVery easy Renewal and at very competitive prices
Cindy-Lee M
a week agoSo easy to deal with. Thank you.
Mark n
a week agoGreat communication
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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