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Public Liability Insurance Pricing

Understand your public liability premium today

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Pricing guide
What affects your premium



At New Wave Insurance, we keep public and products liability pricing simple and transparent for Australian small businesses. Your premium reflects your unique risk profile, the cover you choose, and the nature of your work. Select limits commonly chosen by SMEs ($5m, $10m or $20m) and we’ll show you the price implications up‑front. Our experienced local team will help you match cover to your risks so you only pay for what you need.

What you pay combines a base premium plus government charges like GST and state stamp duty, and any applicable fees, as outlined in the PDS. Other choices influence cost too: a higher excess can lower your premium, while optional extensions or higher limits can increase it. Prefer to spread payments? Monthly instalments are available; see the PDS for instalment conditions.

Risk drivers are straightforward: the type of work you do (for example, tradies working at height vs. retail with foot traffic), your annual turnover and payroll, number of staff and contractors, location, prior claims, and safety controls. Tell us a few details and our instant online quote will display your total cost to get covered—no surprises, just clear pricing backed by dedicated support from our Australian team.

Quick summary
Key pricing factors for small businesses

  • Business activities and risk profile
  • Annual turnover, payroll and staff numbers
  • Chosen limit ($5m, $10m, $20m) and excess
  • Claims history and risk management


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See your personalised price online in minutes—your quote shows the cover selected and the total cost, including GST and stamp duty. General advice only; consider whether it suits your needs and read the Public & Products Liability PDS before buying.
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FAQ

Frequently Asked Questions

Find answers to common questions about our insurance products and services.

Australian businesses conducting business within Australia
This policy covers your legal liability to pay compensation for personal injury, property damage, or advertising liability that occurs during the insurance period, arising from your business activities or products within the territorial limits.
The insurance is issued by Agile Underwriting Services Pty Ltd (ABN 48 607 908 243, AFSL 483374) on behalf of certain Underwriters at Lloyd's, led by Agile Syndicate 2427 managed by Asta Managing Agency Ltd.
You have 14 days from the date your cover is confirmed to cancel and receive a full refund of premiums paid. After the cooling off period, you can cancel anytime by emailing cancel@withagile.com or calling 1300 705 031, and receive a pro-rata refund (unless a claim has been made).
Key exclusions include: cyber incidents and data losses, deliberate acts, employee injuries covered by workers compensation, pollution (except sudden identifiable events), professional liability for fee-based advice, asbestos-related claims, terrorism, war, and claims arising in or under US/Canadian laws.
Contact Agile as soon as possible on 1300 705 031 or email claims@withagile.com. You must advise the cause and amount of loss, take reasonable steps to prevent further loss, cooperate with any investigation, and not admit liability without Agile's written consent.
Coverage in North America is limited to overseas business visits by non-resident directors, partners, officers, executives or employees (excluding manual work), and products exported to North America without your knowledge. Claims brought in US/Canadian courts are generally excluded.
The deductible is the first amount of each claim you are responsible for paying. It applies to each occurrence and is specified in your policy schedule. Agile will never pay the deductible portion of any claim.
Yes, but with conditions. Claims related to personal injury where your liability involves someone undertaking work for reward in connection with your business may be subject to a separate 'injury to contractors deductible' as specified in your schedule.
First contact Agile's Complaints Officer on 1300 705 031 or complaints@withagile.com. If unresolved within 10 business days, the matter escalates to Lloyd's Australia. You may also refer complaints to the Australian Financial Complaints Authority (AFCA) on 1800 931 678 at any time.

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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.