Public Liability

Why is Public Liability Insurance important?

When you’re running a business, there are lots of plates to juggle just to keep everything going. One thing that you don’t want to have to worry about is someone getting injured on your property or someone’s property getting damaged. Public Liability Insurance protects your business if someone sues you for compensation for injury or damage to their property or even their reputation. It’s one of the first types of insurance that a business is likely to buy to ensure they have the protection they need.

If you want to make sure that your business is protected against the risk of personal injury or property damage, Public Liability Insurance is what your business needs. It doesn’t matter whose fault it is, your Public Liability Insurance cover will take care of the costs. As a Public Liability Insurance authorised representative in Melbourne, ALS Insurance Solutions can help you to find the right policy for your business to provide the protection that you require.

Businesses often put off taking out a Public Liability Insurance policy because of the premiums. They might not want the extra expense that the premiums will require, especially when trying to manage a tight business budget. However, the out-of-pocket costs if someone brings a legal case against your business will be much more than you could spend on insurance cover. It will also mean a lot of expenses all at once, whereas an insurance premium is a manageable cost that you can pay every month.

Having to fight a legal case against your business could be enough to destroy it. Many small businesses can’t afford to deal with such an expense and even larger businesses could find that it has a huge impact. Having the foresight to protect your business is a smart route to take and can save your business in the future.

Protect your business

Public Liability Insurance protects your business against being found liable to a death or injury, loss or damage of property or economic loss. Our Public Liability policies even include cover for Products Liability, so your business is also protected against being found liable for injury or damage caused by a failure in your product. This is a beneficial level of cover for any business that sells, supplies, imports or delivers goods that will be handled by members of public.


  • Between $5 million to $20 million liability cover
  • Cover for giving first aid to others
  • Cover for legal costs
  • Third party property cover
  • Cover for Products Liability
  • 24 hours claims service
  • Monthly premium payments to assist with cash flow

Public Liability Insurance is a must have for any business, no matter its size. It can save your business from significant impact to your finances, as well as your reputation. Speak to one of our advisors at ALS Insurance Solutions to find the perfect Public Liability Insurance policy for you. We can arrange Public Liability Insurance in Melbourne for all types of businesses.