Skip to content

How much Liability cover do you need?

It’s important you understand how much liability insurance you need. This will depend on your occupation, risk exposure and legal requirements.

How Much Public Liability Insurance Do You Need?

In Australia, insurers generally offer $5 Million, $10 million and $20 million dollar cover options, but how much public liability insurance do you need? According to Adam Sloan, Broker at Ausure Insurance Brokers and owner of Insure Tradies, “It will depend on your occupation, risk exposure, and legal requirements but is an essential cover for ALL businesses, including small businesses, Sole traders and corporate entities.”

Below we outline the most common liability coverage options. While there is a $50 Million limit, it is not a common option for most small and medium businesses. However it is important to note that some international contracts require this higher amount of coverage if you do business with them. 

If you are still unsure speak to a broker or talk to our team on  07 5631 6050, to discuss your requirement.

$5 Million Dollars Cover Public Liability Cover

$5 million liability cover offers minimal protection. Most brokers would recommend a minimum of $10 million liability cover. While it may seem appealing because of the reduced premium, it is becoming less appropriate for businesses & will often not be enough to cover claims - particularly if they relate to personal injury.

$10 Million Dollars Cover Public Liability Cover

$10 million Liability cover will offer moderate protection and suit most businesses as a starting point. Particularly suitable for small businesses and sole traders.

$20 Million Dollars Cover Public Liability Cover

$20 million is a more comprehensive cover. Businesses that have a high exposure to public, or companies that enter a local, state or federal government contract or work on one of their facilities should be selecting the $20 million Liability cover.

Prefer to compare policies and premiums from a number of our insurer partners?

Our Insurer Partners

Get an Instant Quote

Click, Quote and Buy Insurance Online 24 hours, 7 days week. We got you covered.

Speak to the Team

Not quite sure what you need? Chat to the team to get help.

Peace of Mind

Should shit happen, we manage the entire claims process for you.

Why Use Insure Tradies

Our Team specailise in Tradies Cover, we are here to get you and your assets covered, with access to all the major insurance markets and companies including specialist agencies. 

What Our customers say

Thankyou Caleb for the prompt, professional service, assistance in all needs, furthermore explained all parts in a common language so all is understood, thx again Caleb and team

Danny Dobric

Excellent service, Harry was incredibly helpful , professional and a pleasure to deal with explaining the policy and answering all my questions, will definitely recommend this company

Gail Harper

Karen was so helpful, knowledgeable and professional. She worked through all my questions, offered me various options, and navigated me through the whole process, finding the best Insurance Policy for me. She was most efficient, and I am very satisfied with my experience. Thankyou Karen! Like

Chelsea Hooton

Call For Quotes