Public Liability Insurance in Canberra: What You Should Know Before It’s Too Late

What Does Public Liability Insurance Cover?

At its core, public liability insurance is there to protect you if someone is injured or their property is damaged because of your business activities.

Think about:

• A customer slipping on a wet floor in your salon.
• A tool accidentally falling onto a client’s car during a job.
• A food delivery from your restaurant causing an allergic reaction.

Even if you're careful, accidents can happen. And when they do, the legal and compensation costs can skyrocket. That’s when having the right cover saves you from financial disaster.

How Much Does Public Liability Insurance Cost?

There’s no one-size-fits-all answer, and that’s a good thing. Your cost will depend on:

• The type of business you run
• Your level of risk
• Where you operate (yes, Canberra suburbs have an influence too)
• Your annual revenue
• How many employees you have

That said, many Canberra small business owners pay somewhere between $500 to $1,500 annually for basic cover. Higher-risk trades or larger operations can go upwards of $2,000 or more.

But don’t let the numbers scare you. It’s often less than what you’d spend on coffee each week — for peace of mind that lasts all year.

Do I Need Public Liability Insurance?

Ask yourself:

• Do I work with clients or customers face-to-face?
• Do I enter other people’s homes or offices for work?
• Could something I do accidentally cause damage or injury?

If you answered yes to any of these — the short answer is: yes, you probably do need public liability insurance.

In fact, some Canberra councils and venues won’t even let you operate or set up a stall at local events unless you can show your certificate of insurance.

Final Thoughts

Public liability insurance might not be the most exciting part of running your business — but it’s one of the smartest.

In a city like Canberra, where word travels fast and reputation matters, being protected isn’t just about risk. It’s about responsibility.

Still unsure what you need? Chat to a local broker who understands the Canberra business scene. They’ll guide you without the jargon.

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Important notice

This article is general in nature and does not consider your specific objectives, financial situation, or needs. It is not financial advice and may not be complete. Please speak with a qualified Steadfast insurance broker to determine whether this type of insurance is right for you.

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