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Public Liability Insurance
Your hub for articles that help Australian small businesses understand public liability insurance, what it covers, typical costs, limits and excesses, and how to stay compliant.
Popular Guides and Tips
Discover practical explainers on how public liability insurance works for sole traders and small businesses, from tradies and cafes to retailers, consultants and start-ups. Learn how to choose a cover amount (for example $5m, $10m or $20m), understand exclusions, excesses and limits, and what affects your premium. We also break down contract requirements, venue and council requests, and when you may need to show a certificate of currency.
Find step-by-step advice on getting a quote, comparing insurers, and the claims process if an incident happens on a client’s site or at your premises. Our articles highlight Australian regulations and real-world scenarios across NSW, VIC, QLD and beyond, plus risk management tips to reduce claims and costs. New Wave Insurance, a trusted provider of small business cover in Australia, curates each piece to help you make informed decisions and protect your business with confidence.
What Our Customers Say
Real feedback from our valued customers
Phillip W
yesterdayNo fuss easy insurance
Russell L
yesterdayon line renewal is simple and very easy to use.
Damian Q
yesterdayGreat company . Competitive pricing
Aubrey & Charlotte H
2 days agoGreat insurance, easy to renew.
Ross K
4 days agoGood service. Hope I won’t need to use it again.
Peter H
5 days agothe website is easy to use and understand
Anthony P
5 days agoRenewal is easy. Coverage is clear, annual prices are minimal. Have got quotes against them each year and they are always the best. Would recommend
Kevin h
7 days agohaven’t had to make a claim so can’t rate
John G
7 days agoGreat service and very competitive pricing
Sharna M
a week agoFantastic service and communication
Andrew P
a week agoGreat product and well priced.
Malcolm O
a week agoeasy to use website
Scott B
a week agoRenewing my policy made simple without any annoying phone calls. Great to deal with.
JUSTIN K
a week agoGreat 👍
Matthew B
a week agoAlways great to deal with and the pricing is competitive
Darren P
2 weeks agoVery easy to deal with and a great range of policies, good online presence too.
Martin d
2 weeks agoEasy to change and renew insurance and the price is competitive
Ray P
2 weeks agoNo fuss, easily renewable marine insurance.
Christopher C
2 weeks agothank you
Stuart D
2 weeks agoVery easy renewal process
Robert M
2 weeks agoGood prices, never had to claim
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- Discount applies to the premium paid for a new New Wave Insurance Boat insurance policy initiated online on or after 1 Jan 2021.
- The discount cannot be used in conjunction with any other offer.
- Discounts do not apply to any renewal offer of insurance or mid term endorsement quotes.
- Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees.
- We reserve the right to change the offer without notice.
- Only applies to New Business quotes
- Only applies to automatic online quotes
- If your quote request is referred to an underwriter they may or may not ask for a survey report