Public Liability Insurance Tasmania

Compare online quotes for public liability insurance in Tasmania here with Savvy today. 

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, updated on August 1st, 2023       

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We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.

As a business owner in Tasmania who deals with the public, having the right public liability insurance is vital. It can offer your business protection from a range of claimable events if a member of the public is injured as a result of your business activity or has their property damaged. 

If you’re looking for public liability insurance, Savvy can provide a range of insurance quotes from some of Australia’s leading insurers to compare. After answering a few simple questions about your business, you’ll receive a range of free, no-obligation quotes to consider. Compare your options with Savvy today. 

Public liability insurance in Tasmania – what is it and how does it work?

Public liability insurance is a form of business insurance that can offer protection against personal injury and property damage claims. Such claims can be incredibly costly, so having insurance to protect your business could be vital.  

Unfortunately, there’s always a risk that an accident can occur. This could involve something as simple as a shopper tripping over a poorly-placed extension cord or even a customer’s car getting damaged in your car park by one of your trolley collectors. 

If someone does get hurt or their property is damaged, you could face a potentially costly compensation claim if your business is found liable for the incident. Public liability insurance may partially or fully cover the costs associated with such a claim, subject to meeting your insurer’s qualification criteria. 

What does public liability insurance cover my Tasmanian business for?

Public liability insurance can cover your business for the following:  

  1. Claims of injury to a third party 
  2. Claims of damage to a third party's property 
  3. Compensation awarded to a successful plaintiff 
  4. The legal costs of defending the claim

All insurance policy coverage is subject to terms and conditions set in place by your insurer, which are listed in the product disclosure statement (PDS) supplied with your policy. For this reason, it’s important to read the PDS very carefully before deciding which policy offers your business the most appropriate cover.

What is not covered by public liability insurance? 

  1. Accidents which happened before or after your period of cover  
  2. Injuries to yourself or your workers (your employees should be covered by workers compensation insurance if they’re injured on the job) 
  3. Damage to your own property 
  4. Any damages awarded to the plaintiff for professional negligence 
  5. Faulty workmanship 
  6. Product recalls 

Public liability insurance is designed to offer you coverage if a member of the public makes a claim against your business alleging negligence. However, it won’t cover your own business equipment or assets. If you do require insurance for your business assets, there are other options available to you, such as business owner insurance. This is a package which can offer a range of other insurance types not covered by public liability, including certain covered events relating to your business assets.

Which types of businesses in Tasmania need public liability insurance?

Many different types of businesses in Tasmania may consider taking out public liability insurance, including the following:  

  • Tradies and sole traders  
  • Builders, carpenters and electricians 
  • Mobile businesses  
  • Contractors and consultants 
  • Cafes, restaurants and food businesses 
  • Event organisers and wedding planners 
  • Nurses and doctors  
  • Allied health professionals  
  • Finance and mortgage brokers
  • Graphic designers and architects 
  • Hairdressers and home businesses 
  • Landscapers and lawnmowers 

No matter whether your business is based in Hobart or Launceston, what all these businesses have in common is that they face third-party liability risks. When considering your business insurance requirements, think about the individual risks your business faces and look to ensure the insurance you choose offers as much coverage for those risks as possible. 

How do I compare public liability insurance for my business in Tasmania?

The key elements of public liability insurance you should look at when comparing quotes with Savvy include: 

  • The cost: the cheapest public liability insurance policy may not always be the best one for your business, as a lower-priced policy may come with fewer benefits or a lower claim limit.  
  • Coverage: compare the scope of coverage offered, and read the exclusions carefully before deciding which policy offers the most suitable coverage for your business, as well as determining whether its exclusions may impact you 
  • Benefit amount: public liability insurance coverage is usually available in three pre-defined amounts: $5 million, $10 million or $20 million. The amount of insurance you’ll need will vary according to the specifics of your business, so consider which you may need 
  • Add-ons and optional extras: read the PDS carefully to determine if you need any additional insurance or add-ons which may be offered to extend the insurance coverage 
  • Bundle options: if your business requires more than one type of insurance, you may wish to check whether a business insurance package may be the most cost-effective option for you. For example, you may be able to combine public liability insurance and professional indemnity insurance with one insurer. 

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What factors will affect the cost of my public liability insurance in Tasmania?

Frequently asked questions about public liability insurance in Tasmania

Can I take out public liability insurance for a specific event in Hobart?

Some insurers may be able to offer public liability insurance for specific one-off events. For example, you may want to hold a fireworks show, a charity fund-raising event or a public concert in central Hobart. In order to get a permit to hold such an event, you may have to show the City of Hobart Council proof of your public liability insurance up to $10 million.

Can I get insurance coverage for products I sell to the public in Tasmania through my public liability insurance?

No – public liability insurance only offers cover for third-party injury or property damage claims which happen as a result of negligence. If you wish to access protection against claimable events relating to a product you supplied causing sickness, injury or damage to a third party’s property, you may look at product liability insurance. 

What is a Certificate of Currency and do I need one in Tasmania?

A Certificate of Currency is an official receipt and acknowledgement that you’re covered by a named type of insurance from a specified date and time. It’s a legal document which will be automatically sent to you once you pay your first insurance premium. You’ll need this document to provide to anyone who needs proof that you have the required insurance policy. 

Is public liability insurance compulsory in Tasmania?

No – public liability insurance isn’t compulsory under Australian law. However, it may be compulsory in certain situations, such as to be issued a permit for a public event or to be granted a lease for a shop or business premises. In any situation where you have a duty of care for the safety of members of the public, you should consider public liability insurance, as not having any protection could leave your business vulnerable. 

What’s the difference between public liability insurance and professional indemnity insurance?

Professional indemnity insurance can cover a business against claims they offered bad advice, or the service they provided was below reasonable standards or negligent. This is in contrast to public liability insurance, which protects a business from claims that someone was injured or their property damaged as a result of business negligence.  

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