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Public Liability Insurance
Provide helps you get the best Public Liability Insurance to protect you from legal liability for injuries or property damage to third-parties.

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Public Liability Insurance protects you from legal liability for injuries or property damage inflicted on third-parties, like customers or members of the public.
Imagine if your customer were to slip and fall in your restaurant just because your employee had just mopped the floor. Or if you ran a home-moving company, and your staff accidentally scratched the walls of your client’s home while moving bulky items.
Such incidents are so common at work, no matter what preventive measures your business has in place. The cost associated with repair and restoration should never be taken lightly as your client may purse legal recourse to seek compensation for damages.
This is one of the core types of insurance SMEs purchase. You can easily get $1,000,000 in coverage for as low as $200/year – that’s the annual cost of a Netflix subscription!
If you want to protect your company against expensive litigation, then this insurance policy is perfect for you.
What does Public Liability Insurance Cover?
1. Legal Expenses: Pays for lawyer fees to defend against claims of injury or property damage
2. Legal Damages/Settlements: Pays for legal compensation for injuries or property damage
Examples of Public Liability Claims:
a. A customer walking in your store slips and falls. They suffer physical injuries. They file a civil suit against you. Public Liability Insurance would pay for your lawyers fees, and also pay for the legal damages awarded to the injured customer.
b. While you were conducting repair works in a public place, you accidentally damage another building’s walls. The building owner files a civil suit against you, and you decide to settle. Public Liability Insurance would pay for your lawyer’s fees, and the legal settlement agreed for the wall damage.
What Does Public Liability Insurance Not Cover?
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Injuries or illnesses suffered by your own employees. You’ll need Work Injury Compensation Insurance to cover this.
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Damage to your own property. You’ll need Commercial Property Insurance to cover this.
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Property damage or injuries caused by products you sell or manufacture. You’ll need Product Liability Insurance to cover this. Contact us for a custom Product Liability Insurance quote.
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Professional negligence. If you make mistakes or omissions while performing a service for clients, this policy won’t protect your company. You’ll need Professional Indemnity Insurance to cover you.
Do I Need Public Liability Insurance?
This insurance is important if:
You have customers regularly entering your business premises
You perform work in public places
You do not have large amounts of cash to pay lawyers fees and legal damages, which can easily cost several hundred thousand dollars
Public Liability Insurance is standard practice in industries like:
Retail stores
F&B outlets
Construction firms
Consulting firms
How Much Public Liability Insurance Do I Need?
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If your revenue is less than $5,000,000 a year, you should look at coverage amounts between $1,000,000 to $2,000,000. This will usually be more than sufficient to cover lawyer fees and court-awarded damages. You can purchase this online at Provide.
If your revenue is more than $5,000,000 a year, or you operate in industries with extensive third-party legal liability (e.g. high foot-traffic shops, multiple chain stores, large amount of work done in public), you should consider more than $2,000,000 in coverage. In this case, we’ll craft a custom policy or you. Contact our expert brokers today to get started.