Public Liability Insurance Gold Coast

Access Public Liability Insurance policies that suit your needs and budget. We’re award-winning insurance brokers who have a wealth of experience in helping Gold Coast businesses manage their risks. Call us on 1300 400 707 or fill in the form to speak to an experienced Public Liability Insurance specialist.

It’s best not to leave insurance to chance. Whether you need help with claims, policy renewals or finding the right insurance for your company, our job is to make your insurance problems ours.

We’re proactive, experienced and view our client’s businesses as if they are ours. When it comes to Gold Coast Public Liability Insurance, we work for you, not the insurers.

We're award-winning Public Liability Insurance experts

niba award
business insurance broker-niba award
QLD 2020 top insurance broker medal
2020 top thought leader medal from Advisr
2020 top specialist insurance broker
2020 top insurance broker rated by customers award medal
public liability insurance - supermarket

What is Public Liability Insurance?

Public Liability Insurance can provide you with protection for claims someone makes against you in the course of running your business. In this instance, that someone can be a supplier, customer or member of the public.

For example, if one of your employees spills a drink on someone’s laptop, or if someone falls and hurts themselves in your premises, or if some of your equipment is faulty and causes damage, Public Liability Insurance can provide you cover for where you have been negligent and will also cover the cost of defending any claims against your business.

Why our clients choose Crucial Insurance for their Public Liability Insurance

Transparent advisory: no frills. Just great advice, placing your needs first

We’re award winning business insurance experts: we’ve won awards for outstanding brokerage, including a ‘top rated by customers’ finalist award

Insurance is our passion: we have years of experience in claims management and negotiate with insurers on your behalf

Peace of mind: have a professional team of experienced brokers who can understand insurance lingo

Transparent insurance advisory: no frills. Just great advice, placing your needs first

Find insurance where others can’t: we have an extensive insurer and supplier network, meaning our clients have access to insurance options not easily available in the current market

We’re Queenslanders at heart: with offices throughout Queensland, a friendly and experienced business insurance broker is only a phone call, email or drive away

Public Liability Insurance Gold Coast: what's covered?

Public Liability Insurance can provide cover expenses if your business becomes liable for issues such as:

Property damage claims

Personal injury and associated medical costs

Legal costs

First aid expenses at time of incident

Typically, Public Liability Insurance covers your business in the event there is a claim against you for Personal Injury and /or Property damage arising from your business activities. A Liability Insurance policy will cover you for your legal liability and will also extend to cover your legal defence costs to assist in defending the claim or settling the claim.

An example of such a liability insurance claim is where a customer may slip and fall on your premises, consequently suing you for breaching your duty of care - your insurance should then be able to help cover the potential costs associated with this.

Public Liability Insurance Gold Coast: what's not covered?

When applying for Public Liability Insurance, it is worthwhile to note that it does not cover:

Injury to your employees which is workers compensation insurance

Claims arising from a professional services or advice (see Professional Indemnity)

Business conducted in the USA / Canada, unless agreed in writing

Claims arising from your digital network / data breach (see Cyber Insurance)

Incidents or claims known prior to the policy commencing

Claims made against directors and officers (see Management Liability)

Your business becoming insolvent

Claims arising from intentional acts

Gold Coast snapshot

Public Liability Insurance: Gold Coast Snapshot

Known around the world for its luscious beaches, sunny weather, majestic hinterlands, a laid back lifestyle, exciting theme parks (such as Movie World, Dream World and Sea World) and booming economy, the Gold Coast is an integral part of Queensland. It is also within close proximity to Brisbane, Queensland’s capital, as well as the Queensland / New South Wales border.

According to, Gold Coast City's Gross Regional Product is estimated at $38.11 billion, which represents 10.24% of the state's GSP (Gross State Product). It has a population of approximately 635,000, 303,000 local jobs and 71,000 local businesses. Its largest industries are health care and social assistance.

Even as a thriving city, many Gold Coast businesses will be quick to admit that it is not without its challenges - especially in relation to recent world events. In an often volatile and unpredictable market, it’s important that you have the correct business insurance policies in place.

What our clients say

How Crucial Insurance can help with your Public Liability Insurance needs

From Advancetown to Yatala, we’re here to help service Gold Coast businesses with their insurance needs.

The main benefit our Gold Coast clients receive from us is that we prioritise ethics above profits. We rigorously apply the mindset of ‘doing the right thing’ for our clients, and have thus become the Public Liability Insurance broker of choice for many businesses not just in Queensland, but also around Australia.

We are also an Australian Financial Services License holder. As a client, you can be rest assured that we are regularly audited to ensure we provide a high level of skill with an exceptional level of integrity and service.

As your Gold Coast business insurance broker, we will find the right policy for your needs and help you understand the ins and outs of your cover. It’s crucial that you invest in the right policy to safeguard your business should the need arise.

If you need Public Liability Insurance in Gold Coast, we’re here to help. Contact us to speak to an experienced Business Insurance specialist.

Contact us today.

If you need Public Liability Insurance in Brisbane, we’re here to help. Contact us to speak to an experienced specialist.