General information only, not advice. Need Cover Now is operated by RecAlliance Pty Ltd, a referrer for Austbrokers Countrywide, and does not assess whether any product suits your circumstances.
Public liability insurance and professional indemnity insurance are two separate types of business cover available in Australia. Public liability is designed to respond to claims of third-party injury or property damage connected to business activities or premises. Professional indemnity is designed to respond to claims arising from advice, recommendations or services a business has provided to a client.
Public liability insurance is a type of business cover available in Australia. It is designed to respond to claims of third-party injury or property damage connected to business activities or premises. Terms, inclusions and cover limits vary by insurer and policy.
Professional indemnity insurance is a type of business cover available in Australia. It is designed to respond to claims arising from advice, recommendations or services a business has provided to a client. Terms, inclusions and cover limits vary by insurer and policy.
| Public liability | Professional indemnity | |
|---|---|---|
| Relates to | Third-party injury or property damage | Claims arising from advice or services provided |
| Connected to | Business activities or premises | Advice, recommendations or services given to a client |
| Cover limits | Vary by insurer and policy | Vary by insurer and policy |
| Terms and inclusions | Set by each insurer | Set by each insurer |
They are separate policy types, and some businesses hold both. Some insurers also offer them together as components of a business insurance package. Which policy types suit a particular business depends on its own circumstances, which this site does not assess. Policy wording, inclusions and exclusions are set by each insurer.
Definitions of these and three other common types of business insurance are on the insurance types page.
Public liability relates to physical injury or property damage; professional indemnity relates to claims arising from advice or services provided.
No. Available limits vary by insurer and policy.
No. Need Cover Now describes policy types in general terms only. Suitability depends on individual circumstances, and policy terms are set by each insurer.
You can make an enquiry. With your consent, we pass your contact details to Austbrokers Countrywide, a licensed general insurance broker, who will contact you.
Need Cover Now is operated by RecAlliance Pty Ltd, a referrer for Austbrokers Countrywide (Countrywide Insurance Group Pty Ltd, AFSL 511363). If you arrange insurance through Austbrokers Countrywide as a result of this referral, RecAlliance will receive 20% of the commission and broker fees Austbrokers Countrywide earns. We don't provide insurance advice.