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Public liability insurance for small business

Your hub for articles that help Australian small businesses understand public liability insurance, what it covers, typical costs, limits and excesses, and how to stay compliant.

Popular Guides and Tips

Discover practical explainers on how public liability insurance works for sole traders and small businesses, from tradies and cafes to retailers, consultants and start-ups. Learn how to choose a cover amount (for example $5m, $10m or $20m), understand exclusions, excesses and limits, and what affects your premium. We also break down contract requirements, venue and council requests, and when you may need to show a certificate of currency.

Cover amounts & key limits

Understand common cover levels ($5m, $10m, $20m), plus limits and excesses that can affect your protection and price.

Compliance & certificate of currency

Know when venues, councils, or contracts require proof of cover and what to check before you start work.

Find step-by-step advice on getting a quote, comparing insurers, and the claims process if an incident happens on a client’s site or at your premises. Our articles highlight Australian regulations and real-world scenarios across NSW, VIC, QLD and beyond, plus risk management tips to reduce claims and costs. New Wave Insurance, a trusted provider of small business cover in Australia, curates each piece to help you make informed decisions and protect your business with confidence.

NSW • VIC • QLD • Australia-wide

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Practical, Australia-focused guidance

Designed to help you understand cover, meet requirements, and make confident decisions for your small business.

What Our Customers Say

Real feedback from our valued customers

Alan S

6 hrs ago

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I am very happy to continue with New Wave insurance, they appear to be very professonal.

Fiona M

yesterday

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New Wave Insurance has been great for our yacht insurance, however we have not had to claim as yet.

Tony V

2 days ago

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Great communication and renewal reminders.

Tony B

2 days ago

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Best watercraft insurance

Joshua S

2 days ago

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Great product and easy to renew.

Domenico V

4 days ago

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Very good insurance policy for boats

Li h

4 days ago

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It’s convenient to have it.

James H

4 days ago

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Been with you guys with 2 boat been great the whole time

Keith G

4 days ago

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Great service when originally looking for boat insurance

Ben T

5 days ago

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Great so far!

Mark J

6 days ago

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Best boat insurance out there

Scott S

6 days ago

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Easy to work with

Arthur T

6 days ago

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easy to read even though there are changes

Robert H

6 days ago

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Have not had a claim and trust if did in the future that it will be resolved in accordance with the policy

Mathew T

7 days ago

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No problem

Alan H

7 days ago

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Extremely efficient. When I had some Mariner enquiries the staff at New Wave were truly excellent.

Walter A

a week ago

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Top insurance

Deborah N

a week ago

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Good service

Brett W

a week ago

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Easy application process

Russell B

a week ago

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Great insurance provider

SCOTT D

2 weeks ago

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Easy insurance

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Why Public Liability Insurance Matters for Australian Businesses

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Public Liability Insurance Cost Australia: What Businesses Can Expect to Pay

Wondering about public liability insurance cost in Australia? This guide explains average pricing, key factors that affect premiums, and what sole traders, small businesses and tradies can expect to pay. Policies start from just $25 per month for eligible businesses.

Do You Need Public Liability Insurance? A Comprehensive Guide (Australia)

A detailed Australian guide explaining whether you need public liability insurance. Learn when sole traders, market stall holders and small businesses may be legally or practically required to hold cover, how Australian regulations work, and what risks public liability insurance protects against

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New Wave Insurance is a trading name of Hiller Marine Pty Ltd. (ABN 88 611 606 029, AFSL 553722). Copyright © 2026 Hiller Marine. Hiller Marine manage the distribution of this insurance product on behalf of the underwriter. New Wave Insurance does not act on Your behalf.