How much does public liability insurance cost?

Industry type

Example public liability coverage amount

Typical premium

Office-based

Examples:
– accountants

– tech firms

– consultants
– any business that’s run from an office

$100,000

 

From $100/year

 

Delivery/logistics

$100,000

From $150/year

F&B

 

Examples:

–          Cafes

–          Restaurants

–          Pubs

–          Takeaway stalls

$100,000

From $150/year

Retail shops

$100,000

From $150/year

Beauty services

 

Examples:

–          Hairdressers/barbers

–          Nail salons

–          Female/male grooming salons

$100,000

From $150/year

As you can see, public liability insurance is very affordable. Public liability insurance can be bought on its own, or as part of a business insurance package. The prices in the table above are for a standalone policy.

The main factors affecting your public liability insurance costs are:
1. Industry (e.g. low risk office-based industries, vs higher risk industries like offshore inspectors)
2. Previous claims filed for public liability insurance (if any)
3. Annual revenue

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