RACV’s no fuss public liability insurance

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  • Public liability insurance for your business

    Protects your business liability for injuries to another person or damage to their property

  • Same-day Certificate of Currency

    Your cover is issued immediately, either online or over the phone  - call 13 72 28

  • Pay by the month

    By direct debit using your credit card or bank account at no additional cost, or get it out of the way by paying annually. You choose

RACV Public Liability Insurance covers your legal liability for claims against you for injuries to another person or damage to their property. It meets your public liability contractual obligations.

RACV’s no fuss, minimum paperwork approach enables you to secure this insurance immediately online or over the phone, so contact us today.

With RACV public liability insurance, you can get on with what you do best safe in the knowledge that your public liability risk is covered by the strength and security of RACV.

Call 13 72 28 to make an enquiry or get a quote

Available Monday to Friday, 8.30am-7.00pm

  • No fuss public liability insurance

    For tradies, shopkeepers, service and repair businesses, gardeners and any business with a potential public liability risk

  • Three levels of cover

    Choose either $5 million, $10 million or $20 million as your limit of liability, depending on your needs

  • Covers your business employees, directors and partners

    While conducting activities in the general course of your business

  • Australia-wide cover

    Covers your business against claims for a negligent act Australia-wide. Also includes product liability worldwide (limited cover in the US and Canada) and use of unregistered vehicles

  • Meets your contractual requirements

    To get on a building site, have a shop in a retail centre and for many other situations, you must have public liability insurance. RACV Public Liability Insurance meets this need

  • Easily secure a Certificate of Currency whenever you need one

    Simply send us an email any time you need a Certificate of Currency. The certificate proves you have a current RACV Public Liability Insurance policy

  • It’s easy to secure a Certificate of Insurance too

    Simply send us an email and we will send you a copy of your policy. With RACV, there’s no fuss

  • Legal and first aid costs are covered too

    Legal costs are covered in the settlement or defence of any claim against you, plus any costs for first aid rendered to others at the time of injury

Why public liability insurance is important for tradespeople

Angela is a contract carpenter working on an apartment building construction site. She is required to have public liability insurance to work at the site which she secures online from RACV before commencing the job.

One day Angela mistakenly leaves some of her tools at the site when she finishes work. A short time later the worksite owner accidentally trips over Angela’s tools and badly injures himself.

Because Angela has public liability insurance the potentially costly compensation payments to the worksite owner for his injuries are covered so Angela can get on with the next job and running her own business.

Bill is an electrician. While he is running electrical cables through the ceiling of a customer’s house he accidentally puts his foot through the ceiling creating a large hole and damaging some expensive furniture below.

Because Bill has public liability insurance he avoids having to pay the costs of repairing the ceiling and replacing the damaged furniture, which means he can get onto his next job and continue running his own business.

Why public liability insurance is important for retailers

Peter owns a fishmongers. While he is cleaning fish one day some water accidentally splashes onto the tiles of his shop floor. He doesn’t notice and shortly afterwards a customer accidentally slips on the water and badly injures their knee.

Because Peter has public liability insurance he avoids the costly legal fees and compensation payments he would have been required to pay in relation to the incident and can continue to run his business.

Why public liability insurance is important for service and repair people

Barbara runs a clock repair business. She is often required to take a clock from her customer’s home back to her workshop to fix it. At any time she can have upwards of 10 clocks under repair in her workshop.

One day a storm damages Barbara’s workshop causing water damage to many of her customers’ clocks, some of them badly.

Because Barbara has public liability insurance she avoids the costs of having to replace or repair the water damage to her customers’ clocks and can get on with running her own business.

RACV Business Insurance Product Disclosure Statements

RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after March 2007.

Download

RACV Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 3.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 3.1, 3.2, 3.3, 3.4 & 3.5.

Download

RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement

RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after March 2008.

Download

RACV EasyBiz Insurance Retail, Professional, Hospitality supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4.

Download

RACV EasyBiz Insurance Tradesperson Product Disclosure Statement

RACV EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after October 2007.

Download

RACV Easybiz Insurance Tradesperson supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3, 1.4 & 1.5.

Download

RACV EasyBiz@home Business Insurance Product Disclosure Statement

RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after May 2008.

Download

RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4.

Download


RACV Business Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.