Public Liability Insurance. Done Right.

Protect the years of hard work you’ve invested in your profession.

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Exercising duty of care is vital, but mishaps are bound to occur.

All businesses need a public liability insurance policy to protect themselves in the instance they’re held legally liable for injury, or property damage during the course of their work.

It’s not a legal requirement to have public liability insurance, but it’s strongly recommended because mishaps are so common. At best they’re relatively minor, at worst you’ll be bound by the financial shackles of a hefty bill for many years.

More than the financial impact of a public liability claim against you, it’s never great for your reputation if you do not have the appropriate cover for your business. It is crucial to have a trusted insurance company to support your business long-term.

We keep it simple and market-leading to ensure you have just the right balance of optimised insurance cover.

Public liability insurance protects and provides cover for:

Injury to, or death of, someone on your premises
Loss of, or damage to, someone else’s property on your premises
The legal costs incurred in the instance of (or in defence of) a claim
Other workers acting on behalf of your business, who may have had an incident resulting in a claim against them

We also offer support and advice when you change from your existing insurance provider.

Highly recommend Bruce Insurance. I have been dealing with Bruce for 4 years now. Janet and the team know about insurance and respond quickly to all communications. It is a huge time saver being able to have such a knowledgeable team look after all our business insurance needs in the one place.

Angela Vagos

30 years of industry knowledge and experience, we’ve worked hard at building genuine, long-term relationships with our valued clients and insurance partners.

It’s this strength of trust that has positioned Bruce Insurance Group as one of Australia’s leading public liability insurance providers.

We’re as precise with our process as we are with your cover and handle your insurance matters with commitment and care.

Go for infallible. Our kind of reliability isn’t easy to find.

FAQs

Why do I need public liability insurance?

Public Liability Insurance will protect you from any commercial legal costs or liability claims that may be made by a third party against your business operations due to negligence.
What is the difference between public and personal liability?

Personal liability insurance protects individuals from injury or damage claims made by a third party, whereas public liability insurance covers negligence of injury or damage compensation costs against a business.
Do I need public liability as a sole trader?

Although it is not a legal requirement, it is recommended for all types of business owners who are operating. No matter the size of your business, insurance is crucial to minimise business risks and financial loss.
Does public liability cover accidental damage?

Public liability covers a person, event and contractors from injury and damage claims, including third-party accidental damage due to negligence of a business.
What can be claimed on public liability insurance?

Public Liability Insurance protects businesses against claims imposed by a third party. These can include (but not limited to); personal injury, property damage and legal costs in the instance of a claim.
How much does public liability insurance cost?

This depends on many different factors; the size of your business, the business’s operations, turnover and current risks of liabilities.
What happens if I don't have public liability insurance?

Without having public liability insurance, your business and you as a business owner are at risk of paying significant legal costs if the business is found liable by third parties, whether a small or a large business. All organisations are impacted by risk exposures and substantial legal fees.
Why Bruce Insurance?

Getting the right cover can be hard… but it shouldn’t have to be. At Bruce Insurance, we make sure that your experience is as smooth as possible by delivering quality business insurance and risk management, giving you access to over 150 top professional insurance partners.

This combined expertise has made us one of Australia’s leading public liability insurance providers.
Does public liability insurance cover personal injury?

Public Liability Insurance protects you from claims made against your business by members of the public. Although this includes personal injuries and damage, it does not cover any deliberate harm, illegal activities or employees injured at work (refer to workers compensation insurance).
How can I get a public liability quote?

If your business meets the insurance requirements, talk to one of our public liability insurance brokers for a quote on the best insurance cover for you.

Public Liability Insurance. Done Right.

Exercising duty of care is vital, but mishaps are bound to occur.

Public liability insurance protects and provides cover for:

30 years of industry knowledge and experience, we’ve worked hard at building genuine, long-term relationships with our valued clients and insurance partners.

FAQs

Why do I need public liability insurance?

What is the difference between public and personal liability?

Do I need public liability as a sole trader?

Does public liability cover accidental damage?

What can be claimed on public liability insurance?

How much does public liability insurance cost?

What happens if I don't have public liability insurance?

Why Bruce Insurance?

Does public liability insurance cover personal injury?

How can I get a public liability quote?

We help you navigate public liability insurance with the right advice.

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