Public & Product Liability Insurance Built for Your Business

Cover for third-party injury and property damage claims arising from your business activities or the products you supply.

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  • A+ Rated Security, Backed by Lloyd’s
  • Starts at $3* per Week
Get quick quote in 30 seconds
Quick Quote in 30 Seconds
Receive a quote online instantly
Premiums from $3* Per Week
Affordable pricing based on business details
Cover up to $20 Million
Get coverage tailored to your business
Fast Certificate of Currency
Instant access to Certificate of Currency (CoC) after policy purchase

What is Public & Product Liability Insurance?

Public & Product Liability (PL) Insurance is a liability cover for businesses that sell or distribute physical products or interact with customers. If a third party alleges that your business activities or products caused bodily injury or property damage, you may be held legally responsible for the resulting loss or damage.

Whether the allegation is valid or not, responding to a claim can involve high legal costs. Public & Product Liability insurance covers your legal defence costs and any court-awarded damages or settlements, up to your policy limits. With your balance sheet, contracts and ongoing operations protected, your business can continue operating with confidence if a claim arises.

“Even minor incidents can escalate into costly claims. Sami’s Public & Product Liability (PL) insurance covers defence and investigation costs, helping protect your business from financial distress if a claim occurs.”

Key Statistics
Over $1.1 Billion
Public & Products Liability claims paid in Australia
[1] source: NCPD Level 1 Reports published 31/7/24 (claims payments were for 2022 & excludes facility business)
Around $200,000
Around $200,000 is the average finalised claim for bodily injury if settled by court judgement in Australia.
[2] source: NCPD Analysis - Review of claims trends and affordability of public liability and professional indemnity insurance in Australia - published May 2023

Occupations and Businesses We Protect

Running solo or managing a small business? If you interact with customers or supply products, this cover is for you.

Graphic Designer

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Fitness Professional

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Photographer

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Business Coaching

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Retailers & Product Suppliers

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Allied Health Professionals

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Café & Hospitality Operators

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Market Stallholders

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We cover 800+ more.

What Public & Product Liability Insurance Covers

We protect your business against claims arising from third-party bodily injury or property damage caused by your business activities or the products you supply.

Third-Party Bodily Injury

If a customer, supplier or member of the public is injured from your business activities or products.

Third-Party Property Damage

If you accidentally damage someone else’s property while operating your business.

Product-Related Injury or Damage

If a product you manufacture, sell or distribute causes injury or property damage.

Incidents at Your Premises

Claims arising from accidents at your workplace, store or event location.

Off-Site or Contract Work

Liability arising while performing work at a client’s premises or job site.

Claims Investigation & Legal Defence

Costs associated with investigating, defending or settling covered claims.

What’s Not Covered

Like all insurance policies, Public & Product Liability (PL) Insurance includes exclusions. Your cover depends on the terms, conditions and limitations outlined in your policy wording.

  • Injury to your employees (covered under Workers’ Compensation)

  • Damage to your own property or equipment

  • Claims arising from professional advice or service

  • Product recall or replacement costs

  • Known incidents before the policy start date

  • Deliberate, fraudulent or criminal acts

  • Contractual liabilities beyond common law obligations

  • Fines, penalties or punitive damages

Essential Add-Ons to Your Public & Product Liability (PL) Coverage

Strengthen your protection by combining Public & Product Liability (PL) cover with other key business insurance options.

Professional Indemnity Insurance

Cover for claims arising from alleged errors or omissions in your professional advice or service.

Accident and Sickness

Offers income support if you’re unable to work due to illness or injury for a period of time.

Coming Soon

Cyber Insurance

Provides cover for costs and losses resulting from cyber incidents or data breaches.

Coming Soon

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How Much Does Public & Product Liability Insurance Cost?

Sami offers Public & Product Liability cover from $3* per week (approximately $150* per year). The premium may vary depending on your business activities, turnover, products supplied and selected cover limit, so pricing reflects your business profile and protection required.

Business Activities

Higher-risk industries or public-facing operations may increase premiums due to greater risk exposure.

Annual Turnover

Greater revenue can indicate broader operations, which may affect pricing.

Level of Cover

The cover limit you select ($5M, $10M, $20M) directly influences the cost of your policy.

Products You Sell

The type of products you manufacture or supply can influence your risk exposure and premium calculation.

“We price cover based on the way your business operates, not a flat standard rate.”

Get a quote

Starting from $3* per week

Get Covered in 3 Easy Steps

Receive a quick quote, get covered and make a claim - all digitally through our online platform.

Get Insured
Make a Claim
1
Tell us about your business
Let us know the services you provide, products you sell and key business details.
2
Get your tailored policy
Receive a Public & Product Liability (PL) Insurance quick quote in 30 seconds and select your preferred cover.
3
You’re Instantly Covered
Purchase the policy and receive your Certificate of Currency immediately.
1
Lodge Your Claim Online
Log in and submit your incident details with any supporting documents.
2
Review the Claim
Our underwriter will access the information you provide and may request supporting documents if required.
3
Claim Progress & Resolution
Our underwriter will keep you informed throughout the process and confirm the outcome under your policy.

Get Your Certificate of Currency Instantly

Need proof of cover for your clients or customers? We issue and email your Certificate of Currency (CoC) as soon as your cover starts. No delays chasing paperwork!

Real-time quick quote. Instant proof. Done in minutes.

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Do You Need Public & Product Liability or Professional Indemnity Insurance?

Trying to figure out which insurance is the best fit for your business? Here’s a simple explanation of what Public & Product Liability and Professional Indemnity Insurance respond to.

Public & Product Liability

Covers claims involving physical injury or property damage caused by your business activities or products.

  • Third-party bodily injury

  • Accidental damage to client property

  • Incidents at your workplace or job site involving third parties

  • Injury or damage caused by products you supply

Professional Indemnity

Protects against claims for financial loss arising from your professional advice or service.

  • Errors or omissions in your work

  • Breach of professional duty

  • Intellectual property infringement

  • Alleged negligence in your advice

Every business carries multiple risks, and one policy alone is rarely enough to address them all.

Claims arising from professional advice are very different from those involving third-party injury or property damage. Holding only one type of cover can leave gaps you may not anticipate.

For this reason, many businesses choose to hold both, as it provides protection across different operational and advisory risks.

Why Choose Sami for Your Public & Product Liability (PL) Insurance?

Because protecting your business shouldn’t be complicated. Our Public & Product Liability cover is tailored to your business, quoted online in real time, with immediate proof of cover.

Feature Sami Insurance Traditional Brokers Direct Insurers
Quote Process Instant online quick quote in real time Quote provided after consultation and follow-up Online quote generated through a standard process
Average Quote Time 30 seconds 2 - 3 days 10 - 15 minutes
Occupation Coverage Tailored to 800+ professions General industry categories General industry categories
Policy Customisation Cover structured around your specific operational risks Limited customisation Low (fixed plans)
Pricing Approach Based on your business activities and risk profile May include brokerage fees Standardised pricing models
Cover Limits Flexible limits, up to $20M Varies by insurer May offer limited preset options

Frequently Asked Questions

Everything you need to know about Public and Product Liability cover, eligibility and claims.

Is Public & Product Liability insurance compulsory in Australia?

How do I choose the right level of liability cover?

Do I need Public & Product Liability cover if I work from home?

How do I make a Public & Product Liability claim?

Is Public & Product Liability insurance claims-made or occurrence-based?

What happens if a claim exceeds my policy limit?

Public and Product Liability Insights and Resources

Practical guides and insights to help you understand Public & Product Liability (PL) requirements, manage risk and respond to claims with clarity.

  • May 5, 2026
  • The Sami Team

The Pitfalls of not having Liability insurance as a Yoga Instructor

The peaceful environment of a yoga studio often masks the significant legal and financial risks that come with the territory. While your focus is on flow, mindfulness, and alignment, the reality of running a yoga business is that you are responsible for the physical and mental well-being of every person in that room.

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  • Mar 5, 2026
  • The Sami Team

Do Freelancers/Sole Traders Need Liability Insurance?

It's tough out there from a litigation perspective. We know as a freelancer or sole trader that you really look after your customers.

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  • Mar 26, 2021
  • The Sami Team

Top tips for transitioning from home back into the office

Over the last year many of us have experienced the biggest workplace disruption in recent history. In addition to many offices shutting their doors and shops moving to a completely online model, many Australians had to pack up and work from home indefinitely.

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