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Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.

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Public Liability Insurance

Help protect your business with Public and Products Liability cover.

Overview

What does Public Liability Insurance cover?

What’s covered

  • Your liability to a third party if they suffer an injury in your business premises, or from products your business makes or sells.
  • Expenses incurred by you when rendering first aid to a third party.
  • Legal costs and expenses incurred in the defence or settlement of any claim for compensation for injury, or property damage against you – if incurred with our permission.
  • Your legal liability for property owned by a third party that’s in your physical or legal control. For example, the cost of replacing keys or security cards which are damaged, destroyed, lost, or stolen.

What’s not covered

  • Completing, correcting, or improving any work undertaken by you or on your behalf – except for claims against you for personal injury or property damage resulting from faulty or defective workmanship.
  • Liability for things like:
  • incorrect product descriptions,
  • a mistake in advertised price, or failure of your products or services to conform with advertised performance, quality, fitness, or durability.

For a full list of what is and isn’t covered refer to the GIO Business Insurance Product Disclosure Statement (PDS) and Policy Wording.

Why GIO

Reasons to choose GIO for business

 

GIO Confidence

GIO is proud to have over 95 years of experience insuring Australian businesses. Speaking with hundreds of businesses every day reinforces our commitment to customers – to make insurance as simple as possible.

 

GIO Performance

Our knowledgeable, Australian-based team is on hand to answer your questions, deal with events and claims, and connect you with a wide network of repairers. Claim at any time online. For emergencies, our help centre is available 24/7.

 

GIO Products

Our comprehensive range of insurance products have been specifically designed for industry needs. From trades, retail, and food services, to motor, mobile businesses, professional services and more, GIO has cover to suit a wide range of Australian businesses.

Get a quote online in 3 easy steps

You can get a GIO Public Liability Insurance quote online in under 10 minutes, it’s that easy. Get back to doing what you do best with the knowledge that your business is covered with GIO.

Step 1
Select your industry

Select your industry and choose a category that best describes your business.

Expected annual turnover

This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.

You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.

Step 2
Tell us about your business

Provide us with your business’ expected annual turnover and where it’s located.

Step 3
Choose and review

Choose a level of cover, including your preferred insured amount, and review your quote.

What is Public Liability Insurance?

GIO’s Public Liability Insurance, which includes Products Liability cover, can insure you against claims for business-related injury or property damage made by members of the public. These claims could relate to business activities or products your business provides. This means your legal liability could be covered if customers, clients, delivery people, or passers-by are hurt, or if a product you supply causes injury or property damage. Cover is subject to the terms, conditions and exclusions of your policy which can be found in the GIO Business Insurance PDS and Policy Wording.

FAQs

People also ask

Expected annual turnover

This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.

You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.