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Help protect your business with cover for Public and Products Liability claims.
Overview
GIO Public and Products Liability Insurance cover is designed to offer support if a liability claim is made against your business. Claims can relate to your business activities or products you provide, and can be made by customers, clients, suppliers and even passers-by.
Limits, conditions, and exclusions apply. For a full list of what’s covered and what’s not, please read the PDS for full details.
Public Liability Insurance is designed to cover your most basic insurance needs as a business – and may protect you against claims for third-party injury (not employees) or property damage arising from an occurrence in connection with your business activities or the products you sell.
Claims for loss against your business can come from:
Examples of liability for personal injury could include:
Even when you or your employees are not at fault, you may still need to cover legal costs in defending a claim. Public and Products Liability Insurance can cover legal costs you incur in defending a claim – if authorised by us.
We cover plumbers, plasterers, painters, carpenters and more.
Whether your retail business is located in a shop or selling direct to customers, look to GIO.
From personal injury-related claims, such as food poisoning and sickness to your customers, to slips, trips and other accidents in connection with your business.
We cover medical and health practitioners, solicitors, consultants, engineers and many other professional service providers for Public Liability.
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
Tell us about your industry, your expected turnover, premises you own or rent, and vehicles you use to conduct your business activities.
Step 2
Choose your level of cover, and consider including optional extra GIO Business Insurance covers to add to your GIO Public Liability Insurance.
Step 3
Take a last look over your information (including your preferred insured amount) before hitting ‘send’. Provided you meet our underwriting and risk guidelines, you can get your quote in minutes. Too easy!
Read our Product Disclosure Statement
Or call us on 13 10 10 to get a quote. View our contact hours.
GIO is proud to have over 95 years of experience insuring Australian businesses. We speak with hundreds of businesses every day, reinforcing our commitment to customers – and to make insurance as simple as possible.
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 call centre is available 24/7.
Our comprehensive range of insurance products have been specifically designed to meet industry-specific needs. From trades, retail, and hospitality to motor, mobile businesses and more, GIO has cover to suit your business.
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FAQs
Public and Products Liability Insurance can be a legal necessity for some businesses. But even when not contractually required, Public and Products Liability Insurance could still provide an important safety net.
If your business interacts with the public face-to-face, works with other businesses/contractors or provides a product or service, then a claim made against you for personal injury or property damage could be costly. Court-related costs, time, stress, and ongoing admin can quickly disrupt your business’ operations, but Public and Products Liability Insurance could help ensure that you can keep operating.
GIO Public and Products Liability Insurance is a combined policy as standard. So, when you purchase Public Liability Insurance with GIO you also have automatic Products Liability cover for personal injury, damage to property and advertising injury caused by products your business provides.
Public and Products Liability Insurance can be useful for many small businesses, including subcontractors and sole traders. Because smaller businesses don’t have the resources of larger operations, Public and Products Liability Insurance could be a valuable way to stay financially afloat.
By working at a variety of locations, on a range of different projects, and with specialised equipment, tradies can expose themselves to unique risks. Because of this, tradies often require broad Public Liability Insurance and in some cases must have public liability coverage before they’re even allowed on site.
Retailers and shop owners often interact with the public directly on a daily basis, which means they face risks unique to their business. Public and Products Liability Insurance could help cover retail businesses from potentially exorbitant liability costs – including provisions for businesses in shopping centres – if for example, a customer was to slip on a wet floor or trip over loose stock and suffer an injury.
Café and restaurant owners – as well as other food service providers – deal with the public day-to-day, which means that these businesses are exposed to food poisoning or sickness-related claims. Public and Product Liability Insurance could provide cover for personal injury caused by food or beverages sold or supplied by your business subject to the terms, conditions and exclusions of your policy.
Lodge a request online and receive your Certificate of Currency within 4 business hours.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO.
Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before buying this insurance. The Target Market Determination is also available.
The information is intended to be of a general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon it – please make your own enquiries.
In accessing the GIO site you agree to the Online Terms and Conditions.
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.
COOKIE AND DATA POLICY
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how GIO collects and uses data related to your online activity, and how you can choose to remain anonymous. This content is current for Home Building, Home Contents, Landlord, Strata, Car, Motorcycle, Caravan and Boat Insurance policies with a start or renewal date on or after 22 March 2021.
AAI LIMITED TRADING AS GIO
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. In accessing the GIO site you agree to the Online Terms and Conditions.
