FD Beck Insurance Brokers

What does Public Liability Insurance cover?

As a business owner, you know there can be a lot of responsibility.

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This can range from cleaning the office work space to paying employees. However, there’s more to think about. For example, what if a client of yours suffers an accident on your premises? Are you financially prepared? Well, that’s what Public Liability Insurance is there for. If you’re unsure exactly what Public Liability Insurance is, check out our blog on Who Needs Public Liability Insurance. If you’re already familiar, brilliant. Although, you might ask yourself, what does Public Liability Insurance cover exactly?

Well, every insurance policy is different. However, there are three main aspects that your business should be covered for under Public Liability Insurance:

1. Legal Costs incurred in the Defence or Settlement.

Generally, claims can be pretty expensive. However, you don’t know in advance how much the cost may be for a settlement or a claim. In any case, you would not want the cost of the claim to be paid out of your own pocket. That would be financially painful. Ideally, you wouldn’t want any client or customer to suffer an accident at all. However, accidents inevitably happen. Therefore, you should be insured to protect yourself if your client ends up injured. Ultimately, Public Liability Insurance could be saving you the hassle of legal costs.

2. Loss or Damage of Property

Thankfully, Public Liability isn’t only for covering individuals. In fact, it could cover any damage or loss that may’ve occurred against somebody’s property. For instance, a window cleaner’s swivel washer slips from their grasp. It shatters their client’s car wind screen. Crack! Now, if you have PL insurance this should cover the cost of the damage.

3. Compensation for injury

If a client incurs some form of injury/ property damage or loss, they would want to be paid back. I mean, wouldn’t you? Also, as a business owner you’d want your client to be paid back. Similarly, you’d like to restore the natural order between your good relationship. Why? To prevent loss of business and gaining a bad reputation. Even though there are a few things that Public Liability Insurance may not cover, compensation should be included under any policy.

With this in mind, it’s worth knowing some aspects that Public Liability might not cover.

Here is a list of them:

Want to find out more? See our blog on what Public Liability Doesn’t Cover.


Overall, you should now have a better idea on what should be covered if you take out Public Liability Insurance. In short, in the event of a claim, not only should it financially help you but it should help maintain relationships. However, there are some specific scenarios where this type of insurance may not protect you. To find out more about how your business can benefit from Public Liability Insurance, speak to us. Let us discuss your insurance needs and what may cover you.

Also, FD Beck has a free online insurance quoting tool tailored for contractors, consultants or freelance professionals. In fact, our online calculator has almost 150 professional occupations to choose from. FD Beck’s online PL insurance calculator offers limits options of $500,000, $1,000,000, $2,000,000 and $5,000,000. Better still, our online calculator includes other products such as PI and Cyber Insurance. That’s just to name a few.

For over 100 years, FD Beck has protected Australians. Rest assured, we have the knowledge and expertise to handle every aspect of your insurance needs.

Simon Pascoe Updated Rectangle | FD Beck Insurance Broker 300x300

Simon Pascoe

For the past 27 years Simon has enjoyed a career in the Insurance industry as both a broker and underwriter. Prior to being a director at FD Beck Simon had a successful 8‐year management career with one of the worlds largest general insurers, which saw him deal with and structure insurance programs for some of Australia’s largest insurance purchasers.

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