Why you need cover
If a customer is injured in your shop, cafe, restaurant or bar—or their property is damaged—you could be held legally liable. Public liability insurance helps cover compensation claims and related defence costs, so you can keep trading with confidence.
Protection if you’re held liable
Cover for third‑party injury or property damage linked to your business activities.
Defence costs & support
Help with legal defence costs and claims support, so a claim doesn’t derail your business.
Meet landlord & contract needs
Choose flexible limits to match lease, market or supplier requirements as you grow.
Ready to protect your business?
Tell us about your business and we’ll arrange cover suited to your risk profile.
Our retail and hospitality public and products liability cover responds to third‑party injury, property damage and advertising liability arising from your business activities and the goods you sell.
What this cover can include
Explore common inclusions below and get an instant quote online.
Third‑party injury claims
Damage to others’ property
Products liability for goods
Defence and inquiry costs
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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