STAY SAFE WITH PUBLIC LIABILITY INSURANCE
Protect your business from third-party claims including personal injury and/or property damage. Get tailored public liability insurance through our network of insurers.
Running a business means accepting risks, but you don’t have to face them alone. From tradies and sole traders to professional services and retail operations, Ironbark Group’s insurance brokers help you secure public liability insurance that protects your business from third-party claims, legal costs, and financial loss.
Public liability insurance is essential business insurance that covers your legal obligations if someone else is injured or their property is damaged due to your business activities. From a customer slipping at your business premises to accidental damage to a third party’s property during service delivery, the right public liability cover helps protect your financial situation from costly legal fees and compensation claims.
At Ironbark Group, we help you understand what public liability insurance covers, compare options from multiple insurers, and structure a policy that suits your business needs.
Why Choose Ironbark Group?
We help businesses across Australia secure public liability insurance through expert guidance and access to a wide network of insurers.
As a trusted insurance broker, Ironbark Group:
Understands the unique risks and requirements across different business types and industries
Helps you choose the right level of public liability cover to protect against personal injury and property damage claims
Has access to a wide panel of insurers across Australia, including specialist providers for high-risk industries
Supports you through policy selection, claims processes, and ongoing portfolio reviews
Provides tailored advice on combining public liability with professional indemnity insurance, workers compensation, and other business insurance
We focus on your business activities and help you navigate coverage options from initial inquiry through to policy setup and beyond.
SECURE COMPREHENSIVE LIABILITY COVER FOR YOUR BUSINESS
From sole traders to established businesses, Ironbark Group’s insurance brokers guide you through selecting public liability insurance that protects your business. We help you access the right insurers, compare public liability insurance costs, and structure a business insurance pack that supports your operations and manages risk effectively.
Frequently Asked Questions
What does public liability insurance cover?
Public liability insurance covers your legal liability for third-party personal injury and/or property damage caused by your business activities. This includes compensation payments, legal costs, and defence fees if someone makes a claim against your business.
Who needs public liability insurance?
All businesses benefit from public liability cover, including sole traders, tradies, retailers, hospitality venues, professional services, and any business that interacts with customers or works on commercial property or else’s property.
How much does public liability insurance cost?
Public liability insurance costs vary based on your business type, industry risks, level of cover, and business location. We help you compare options from multiple insurers to find competitive pricing that suits your budget, with flexible payment options including pay by the month arrangements.
What's the difference between public liability and professional indemnity insurance?
Public liability insurance covers physical injury and property damage, while professional indemnity insurance protects against claims arising from professional advice or services. Many businesses need both types of liability cover for comprehensive protection.
What amount of public liability cover do I need?
The minimum amount of public liability insurance varies by industry and contract requirements. Many businesses choose $10 million or $20 million in cover. We’ll help you determine the right insurance policy limit based on your business activities and contractual obligations.
Does public liability insurance cover faulty workmanship?
Standard public liability policies may have limited cover for faulty workmanship. Depending on your business needs, you may need additional product liability insurance or specific trade cover. We’ll help you understand what your insurance covers and identify any gaps.
Can I claim directly with the insurer?
Our preference is you let our in-house claims team manage your insurance claim on your behalf. As your insurance broker, we support you through the claims process, helping ensure full details are provided and the claim is handled efficiently, allowing you to focus on your business.
Are legal fees covered by public liability insurance?
Yes. Public liability insurance covers legal fees and defence costs if you face legal action from a third party, even if the claim is ultimately unsuccessful. This protection helps manage costly legal fees that could impact your financial situation.
Does public liability cover contractual liability?
Some public liability policies include contractual liability cover, while others exclude it. If your business enters contracts that assume liability, you need to let your insurance broker know so we can ensure your policy includes appropriate contractual liability protection.
How can an insurance broker help with public liability insurance?
An insurance broker provides professional advice, compares policies from multiple insurers, explains what liability insurance covers, and helps you buy public liability insurance that matches your business type and risk profile. We guide you from initial assessment through to ongoing policy management.
What Our Clients Say
Trust, reliability and hard work — made everything a breeze.
Trust, reliability and hard work — that was our experience with Ironbark. From home loan to settlement, personal loan and refinancing — everything was a breeze.
Jheinsen Lara
Top-notch communication, efficiency and professionalism.
Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.
Linz11 R
Always there to help — day or night.
Ben and Carly have been nothing short of amazing… always there to help no matter the question, day or night.
Rachael Hammermeister
Made buying our first home stress-free and enjoyable.
Thank you Ben and Carly! You made purchasing our first home stress-free and enjoyable — guiding us through every step from the beginning until settlement.
Celeste Velasquez
Professional, patient and supportive through a stressful time.
From start to settlement and continuing on, Carly has been a great help. Professional, patient and understanding during a stressful time.
Luke Mcdonald
Seamless, stress-free and tailored to my needs.
He made the mortgage process seamless, stress-free, and easy to understand, and made sure I got the best possible rates with terms tailored to my needs.
Alicia Fava
Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212