Covid-19 (coronavirus) and your business

Confused about how Covid-19 affects your business insurance? Get answers at our Covid-19 FAQ. If you have employees, protect them with Covid-19 Infection Insurance.

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.

Compare quotes from leading insurers

provide insurance partners

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?

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?

    • 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.

How Much Does Public Liability Insurance Cost?

This type of insurance is generally very affordable. Premiums begin from $200/year for $1,000,000 in coverage. That’s about the annual price of a Netflix subscription! 
With Provide, you save up to 25% on your premiums. Our digital operating model creates lower overheads, and we pass every dollar saved back to our clients. 
Get started on a quote today!

Get Public Liability Insurance tailored for your business. Lowest prices nationwide.

  • This field is for validation purposes and should be left unchanged.