Insurance Online Public Liability Insurance Calculator
Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Public Liability – Limit Recommendation Calculator
Work through the steps to get a suggested limit of liability (e.g., $5m, $10m, $20m) based on your exposures and any contractual requirements.
This tool does not estimate premiums and is not advice.
Step 1 of 4
1) Business profile
Basic details to tailor the recommendation.
Optional, but helps calibrate the recommendation.
How often members of the public are on your premises or you work at public sites.
2) Contracts & requirements
If a landlord, council or head contract specifies a minimum limit, that becomes a floor.
Pick the highest requirement you face (tenancy, council, head‑contract).
USA/Canada exposures often push limits higher.
3) Exposure factors
Higher hazard activities and high-value sites generally push limits up.
Contractual/privity gaps may increase recommended limits.
Largest third‑party property you could damage in one event (client facility, mall, data centre etc.).
4) Results
Calculate your recommended Public Liability limit and review the reasons.
Tip: you can go back and adjust inputs; your progress auto-saves in this browser.
Heads‑up: This tool suggests limits using simple heuristics and your inputs. It is not advice or a quote. Insurer appetite and contractual wording prevail.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
How to use our Public Liability Insurance Calculator
Our Public Liability Insurance Calculator helps Australian businesses estimate an appropriate public liability limit of indemnity, such as $5 million, $10 million, $20 million or $30 million. This matters because a single injury or property damage claim can be financially severe, and many clients, landlords and councils require a minimum cover level before you can start work. The calculator provides a limit recommendation only and does not estimate premiums or provide a quote.
How to complete the form for the best result
1. Business profile
Industry: Select the closest match. If your work spans multiple areas, choose the higher-risk or highest public-contact category.
Annual turnover ($): Enter your current or expected annual revenue. Use a realistic figure to avoid underestimating exposure.
No. of staff (FTE): Include working owners and casuals converted to full-time equivalent, as more people can increase operational exposure.
Public or visitor exposure: Choose Low, Medium or High based on how often the public are on your premises or you work at public sites.
2. Contracts and requirements
Required by contract or landlord (optional): Select the highest limit you are required to hold, as contractual requirements can override personal preference.
Exports to USA or Canada: Select Yes if you have activities, clients, sales or work connected to these regions, as this can increase recommended limits.
3. Exposure factors
High-risk activities: Tick any that apply, including work at height, excavation, hot works, hazardous chemicals, or manufacturing and distributing products.
Use subcontractors: Select the level that reflects how much work is subcontracted, as subcontracting can increase gaps and liability exposure.
Single-loss property damage exposure (optional): Enter the largest third-party property value you could damage in one incident (for example, a client facility).
Claims in last 5 years: Choose the most accurate claims history option.
How to interpret your results
The recommended limit is a general guide based on the risk indicators you entered. If the recommendation is lower than your contract requirement, treat the contract requirement as the minimum. Use the JSON summary to share your inputs with a broker or insurer when requesting a tailored quote and policy wording review. This calculator provides general information only, not personal advice. Consider your objectives, financial situation and needs, and read the relevant policy wording and disclosure documents before deciding.
As 2026 unfolds, Australian insurers are confronting a trio of significant challenges that are reshaping the industry landscape. According to Gallagher Bassett's forthcoming report, 'The Carrier Perspective: 2026 Claims Insights,' the primary concerns include premium affordability and insurability, escalating cyber and data risks, and difficulties in attracting and retaining skilled talent. - read more
In recent times, Australian retirees have been facing mounting financial pressures due to escalating insurance premiums. This trend is raising concerns about the affordability of essential coverage and its impact on the financial security and lifestyle of those on fixed incomes. - read more
In 2024, Australia's insurance industry reported an after-tax profit of $6.1 billion, a figure that is three times higher than the five-year average of $2 billion. This substantial increase is attributed to significant premium hikes and a relatively benign year for natural disasters. - read more
From 1 April 2026, Australian private health insurance premiums are set to increase by an average of 4.41%, marking the most significant rise since 2017. This adjustment reflects the escalating costs associated with medical and hospital services, which saw a 5% increase in the last financial year. - read more
Over the past five years, Australian homeowners have experienced a substantial 51% increase in home insurance premiums. This surge is largely attributed to the escalating frequency and severity of natural disasters, coupled with rising construction costs. - read more
In the dynamic world of commerce, Australian businesses face a plethora of risks daily. Business insurance serves as a safeguard, ensuring that the unforeseen does not hinder the stability and growth of an enterprise. Whether it’s a startup or a seasoned corporation, understanding and selecting the appropriate insurance coverage is crucial for resilience and longevity. - read more
Home insurance is a critical element for any Australian homeowner, providing financial protection against an array of unexpected events. Essentially, it's a policy that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. This type of insurance also offers liability coverage against accidents in the home or on the property. - read more
Life insurance stands as a pillar of financial stability in the lives of many Australians, providing peace of mind and security for families and individuals facing the uncertainty of the future. The importance of life insurance cannot be overstated; it offers a safety net that serves to protect your loved ones in the event of a tragedy, ensuring their financial well-being during difficult times. - read more
Running a business comes with its fair share of risks and challenges. From natural disasters to employee injuries, there's a lot that can go wrong. This is why having the right business insurance is crucial for any Australian entrepreneur. - read more
Embarking on an Australian adventure can ignite excitement in the heart of any traveller, but being prepared for the unexpected should be top of mind. Travel insurance is an essential travel companion that safeguards your journey from unforeseeable circumstances. Whether confronting flight cancellations, medical emergencies, or lost luggage, the right travel insurance policy can make a world of difference, offering peace of mind to fully immerse in the Aussie adventure experience. - read more
Knowledgebase
Umbrella Policy: An additional insurance policy that provides extra liability coverage beyond the limits of the insured's primary policies.
