Help protect your business with Public and Products Liability cover.
For a full list of what is and isn’t covered refer to the GIO Business Insurance Product Disclosure Statement (PDS) and Policy Wording.
GIO is proud to have over 95 years of experience insuring Australian businesses. Speaking with hundreds of businesses every day reinforces our commitment to customers – to make insurance as simple as possible.
Our knowledgeable, Australian-based team is on hand to answer your questions, deal with events and claims, and connect you with a wide network of repairers. Claim at any time online. For emergencies, our help centre is available 24/7.
Our comprehensive range of insurance products have been specifically designed for industry needs. From trades, retail, and food services, to motor, mobile businesses, professional services and more, GIO has cover to suit a wide range of Australian businesses.
You can get a GIO Public Liability Insurance quote online in under 10 minutes, it’s that easy. Get back to doing what you do best with the knowledge that your business is covered with GIO.
Select your industry and choose a category that best describes your business.
Expected annual turnover
This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.
You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.
Provide us with your business’ expected annual turnover and where it’s located.
Choose a level of cover, including your preferred insured amount, and review your quote.
GIO’s Public Liability Insurance, which includes Products Liability cover, can insure you against claims for business-related injury or property damage made by members of the public. These claims could relate to business activities or products your business provides. This means your legal liability could be covered if customers, clients, delivery people, or passers-by are hurt, or if a product you supply causes injury or property damage. Cover is subject to the terms, conditions and exclusions of your policy which can be found in the GIO Business Insurance PDS and Policy Wording.
Public and Products Liability Insurance can be a legal necessity for some businesses. But even when not contractually required, Public and Products Liability Insurance could still provide an important safety net.
How can Public and Products Liability Insurance help me?If your business interacts with the public face-to-face, works with other businesses/contractors or provides a product or service, then a claim made against you for personal injury or property damage could be costly. Court-related costs, time, stress, and ongoing admin can quickly disrupt your business’ operations, but Public and Products Liability Insurance could help ensure that you can keep operating.
Do I need to purchase Public and Products Liability Insurance separately?GIO Public and Products Liability Insurance is a combined policy as standard. So, when you purchase Public Liability Insurance with GIO you also have automatic Products Liability cover for personal injury, damage to property and advertising injury caused by products your business provides.
Who is Public and Products Liability Insurance for?Public and Products Liability Insurance can be useful for many small businesses, including subcontractors and sole traders. Because smaller businesses don’t have the resources of larger operations, Public and Products Liability Insurance could be a valuable way to stay financially afloat.
Why do tradies need Public and Products Liability Insurance?By working at a variety of locations, on a range of different projects, and with specialised equipment, tradies can expose themselves to unique risks. Because of this, tradies often require broad Public Liability Insurance and in some cases must have public liability coverage before they’re even allowed on site.
Why do retailers need Public and Products Liability Insurance?Retailers and shop owners often interact with the public directly on a daily basis, which means they face risks unique to their business. Public and Products Liability Insurance could help cover retail businesses from potentially exorbitant liability costs – including provisions for businesses in shopping centres – if for example, a customer was to slip on a wet floor or trip over loose stock and suffer an injury.
Why might café owners and restaurateurs want to consider Public and Products Liability InsuranceCafé and restaurant owners – as well as other food service providers – deal with the public day-to-day, which means that these businesses are exposed to food poisoning or sickness-related claims. Public and Product Liability Insurance could provide cover for personal injury caused by food or beverages sold or supplied by your business subject to the terms, conditions and exclusions of your policy.
Does GIO Business Insurance cover my business’ premises against flood?Flood cover is automatically included (as part of your premium) as part of the property damage section of your business insurance cover for policies with a start date on or after 7 December 2023.
However, we do not insure for flood in the first 72 hours of commencing a new policy or adding/modifying (including increasing any insured amount) of the property damage cover. For more information on your flood coverage and other exclusions, please refer to the relevant PDS and SPDS.
Expected annual turnover
This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.
You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.