RACV Business Insurance has a public and product liability option that defends you from potentially costly personal injury and property damage claims. You can choose from different levels of cover, so you don’t pay for insurance you don’t need.

Legal costs
Public liability covers the legal costs earned in the defence or settlement of a liability claim.

Damage to someone else's property
Covers the costs of physical loss, destruction, or damage to someone else’s property because of your business operation.

Injury to someone else
Covers the costs of injuries to someone else, as well as first aid expenses for injuries caused by your business operations.

Loss or damage of goods in your care
For example, if you’re looking after a client’s bag and it is accidentally lost or stolen.

Staff negligence
Like if your employee doesn't clean up a spill in your shop and a customer falls and injures themselves.

This is a summary only – terms, conditions and policy limits apply. For the full details of what is and is not covered you can read the RACV Business Insurance Policy.

Commercial motor vehicles
Covers the motor vehicles you use to operate your business, including vans, utes and trailers.

Computer and electronic equipment
Covers breakdown of office equipment such as computers, printers, fax machines and phone equipment.

Theft and money
Covers you if a person breaks into your business premises (or rental property) and steals your stock, contents, equipment, or money.

Machinery
Cover for your specified business machinery if it breaks down.

Tax investigation
Covers the cost of professional fees resulting from an audit or investigation which relates to you paying a tax.

Glass
Covers breakage to shop front windows, glass shelving, sign writing and display cabinets.

Employee dishonesty
Cover for loss of money or goods caused by employee fraud or dishonesty.

Business interruption
Covers your business expenses if your gross income is interrupted by damage caused by an incident we cover.

Tailored to your business

Optional covers tailored to your business, so you don’t pay for insurance you don’t need.

We'll save you time

Get a quote and cover online or by phone. We’ll reduce unnecessary paperwork and save you time.

Trusted by thousands

Protecting thousands of Victorian businesses like yours.

What is public liability insurance?

Public liability insurance is designed to protect your business against legal claims resulting from injuries to another person or damage to their property for covered events. If you work with clients or customers in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products, this cover could help cover unexpected costs when accidents happen.

How much public liability insurance do I need for my business?

Not all businesses are the same. That’s why the level of public liability insurance you need is unique to:

  • the size of your business i.e. employees, income
  • your risk appetite
  • how much it would cost to fix the problem if a mistake is made.

You can cover your business for up to $20 million for public liability each year. We’ll ask you some questions to help you determine what level of cover is best to protect your business.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.