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
Stuart H
4 hrs agoI have had my boat insured with New Wave Insurance since purchasing in 2018. I feel their policies are reasonably priced and easy to understand. I see no reason change from New Wave Insurance in the foreseeable future
Alexander B
23 hrs agoGreat service
Benjamin L
2 days agoAlways been good
Ryan H
2 days agoQuick easy renewal process
Alfred D
3 days agoHassle free marine insurance.. all made very easy.. thank you
Terry B
4 days agoEasy to deal with and premium is competitive.
Daniel P
5 days agoFantastic insurance with no headaches.
James c
5 days agoEfficient quotes. No claims to date
Troy M
6 days agoGreat service
Adam P
a week agoGood insurance
Adam B
a week agoeasy to reapply
Dave H
a week agoVery happy with prompt and helpful service.
Andrew C
a week agoExcellent service
Graeme G
a week agoGood price and good service.
David M
a week agoEfficient cooperative service
ANTHONY D
a week agogreat help over the phone
Alan A
a week agoAll good
David L
a week agoAll good on time. no complaints.
Gregor S
a week agoI have had my boat insurance with New Wave Marine-for the past 3 years and find them excellent
Fiona Jane S
a week agoThis is the second year with new wave and they have been quite competitive to other insurers.
Claude C
a week agoPrompt and efficient.
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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