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
Fiona Jane S
8 hrs agoThis is the second year with new wave and they have been quite competitive to other insurers.
Claude C
14 hrs agoPrompt and efficient.
Kane C
2 days agoGood insurance
Elisha H
3 days agoGreat feedback and process to progress quote with variations
Nathan F
3 days agoNew Wave have covered my sailboat for 4 years now. Simple, affordable, no hassles, I highly recommend. Nath, Roberts 25, Port Fairy.
Graham L
3 days agoReally great service. The best.
Andrew M
4 days agoVery convenient
Andrew W
5 days agoGreat Service
Tony B
5 days agoI have never had any issues with the service.
Sylvain G
6 days agoGood service, no fuss, competitive pricing.
Hannes K
6 days agoI am very happy
Peter N
a week agoOn time renewal advice and easy take up process.
Dylan J
a week agoDoes the trick
Owen H
a week agoEasy to deal with, competitive pricing and great customer service. Renewing is also a breeze
Priyadarshi S
a week agoExcellent value for money.
Peter D
a week agoVery easy to get a quote and proceed with insurance.
Shane N
a week agoNo issues
John B
a week agoGreat service and easy to follow process to renew policy
Jangho P
a week agoSimple but works
Alan S
2 weeks agoI am very happy to continue with New Wave insurance, they appear to be very professonal.
Fiona M
2 weeks agoNew Wave Insurance has been great for our yacht insurance, however we have not had to claim as yet.
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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