Public Liability Insurance Melbourne

Get access to Public Liability Insurance policies that cater to your needs and budget. Crucial Insurance is an experienced, award-winning and fully licensed AFSL insurance brokerage helping Melbourne businesses effectively manage their risk. Call us on 1300 400 707 or fill in the form to speak to an experienced Public Liability Insurance specialist.

We help you with claims, policy renewals or even finding the right insurance for your company. Our mission is to help you make the best decision for your business.

At Crucial Insurance, we are proactive, experienced and pride ourselves on being able to view our client’s businesses as if they are ours: when it comes to Sydney Public Liability Insurance, we work for you.

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
supermarket public liability insurance melbourne

What is Public Liability Insurance?

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

Public Liability Insurance makes sure you’re covered in that unfortunate case and is essential for businesses where members of the public interact with your company in any way. For example, a customer trips and falls, or if some of your equipment malfunctions and leads to damages, Public Liability Insurance can provide you with a safety net to cover any damages, as well as the legal costs in defending any claims against the business.

Why our clients choose Crucial Insurance for their Melbourne Public Liability Insurance

Peace of mind: Peace of mind: have a professional team of experienced brokers who can understand insurance lingo and translate that for you

We’re award-winning business insurance experts: we have industry-recognition for being the top insurance broker and top-rated by our customers

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

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

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

Transparent Public Liability Insurance advisory: no frills. We don’t hard sell, we want to give you the best advice possible

We’re a customer-first business: know that a friendly and experienced business insurance broker is only a phone call, email or drive away with us

Public Liability Insurance Melbourne: what’s covered?

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

Personal injury and associated medical costs

Legal costs

Property damage claims

First aid expenses at time of incident

Public Liability Insurance covers your business in the unfortunate event there is a claim against you for the following reasons:

Personal Injury, where the customer claims they were hurt in your premise or through actions of your employees or equipment and/or

Property damage, which refers to damage done to your customer’s belongings through an employee or services rendered through your business

A Liability Insurance policy will make sure you are covered for your legal liability and also extends coverage to your legal defence costs if required in defending or settling the claim.

For example, if a vendor or customer were to have their bag or laptop damaged by your employee, consequently suing you for breaching your duty of care - your public liability insurance should then be able to help cover the potential costs associated with this.

retail public liability insurance Melbourne

Public Liability Insurance Melbourne: what's not covered?

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

Claims arising from intentional acts

Your business becoming insolvent

Injury to your employees which is workers compensation insurance

Incidents or claims known prior to the policy commencing

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

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

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

Claims made against directors and officers (see Management Liability)

public liability insurance Melbourne Victoria Snapshot

Public Liability Insurance: Melbourne (Victoria) Snapshot

Melbourne is the capital of Victoria, and the second-largest city in the country. The city is best known for being a cultural hotspot for Australia and offers great sights like Queen Victoria Market, which is an iconic landmark of Melbourne and you can also visit the Royal Botanical Gardens Melbourne for a touch of greenery and sightseeing. The city is a multicultural place and prides itself on its diversity.

According to Remplan, Melbourne’s Gross Regional Product is estimated at $ 97.1 billion, which represents 20.7% of Victoria's GSP (Gross State Product). It has a population of approximately 184,000, 457,000 local jobs and ​​15,000 local businesses. Its largest industries are Food and Beverage services and business services.

What our clients say

How Crucial Insurance can help with your Public Liability Insurance needs

From Portsea to Werribee, we are here to help service Melbourne businesses with their insurance needs.

Our Melbourne clients know that their business is in good hands because we prioritise ethics above profits. Our business is built on the foundation of us ‘doing the right thing’ for our clients and we have become the Public Liability Insurance broker of choice for many businesses not just in Victoria, but around the whole of Australia.

We are also an Australian Financial Services License holder. As a client, you can place your trust in us, as we are regularly audited to ensure we provide a high level of skill with an exceptional level of integrity and service.

As your Melbourne 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 Melbourne, we’re here to help. Contact us to speak to an experienced Business Insurance specialist.