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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
Bill B
13 hrs agoEasy to deal with and you actually understand what you’re covered for and what you’re not!!
Vicki P
24 hrs agoEasy set up and great communication
Luke D
yesterdayEasy to work with and flexible insurance
Brian G
2 days agoeasy to use use website, straightforward renewal, competitive pricing, great service
Kevin C
2 days agoBrilliant service
Roger M
2 days agoEasy to deal with, good website and renewal process.
Evan B
2 days agoEasiest renewal and no spam, great!
Steven R
2 days agoPrice and service A+
Jarred M
4 days agoLove that I don’t need a vin number
CHRISTOPHER F
4 days agoHappy with product, easy to arrange.
Michael W
4 days agoGreat insurance
Andrew M
5 days agoNew Wave Marine continue to provide the coverage I need at a reasonable price. We are lucky that this service is available in the niche market for marine insurance.
Elyse A
5 days agoSuper easy to insure your boat. Affordable prices
Kyle O
a week agoi have had no problems with new wave insurance.
Jay R
a week agoNew Wave is extremely easy to deal with, they have great systems to make it a great experience and they are price competitive.
Richard W
a week agoI have found New Wave Insurance very User friendly.
Michael (Mike) B
a week agoEasy to insure with
Terry B
a week agoEasy to get the insurance we needed n
Tristen M
a week agoEasy to deal with and friendly staff
Deni R
a week agoGreat service
Simon L
a week agoEasy online quote and transactions
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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