Your activities
Include occasional work, operating heights, equipment and any activities a general occupation label could miss.
Royal Insurance
Public liability insurance.
Public liability insurance can respond to claims of injury or property damage arising from your business activities. We help you compare options for the work you actually do.
Get a quote →Already have cover?Review my existing insurance
Understand your optionsCover, excesses and exclusions explained
Ongoing supportFor renewals and claims
Get your quote started.
Have your insurance details ready?
Complete the full quote form →Financial Services Guide · Authorised representative of Community Broker Network
The details matter
Cover discussions that start with your actual work.
Your products and contracts
Let us know about supplied products, imports, exports and insurance conditions in customer contracts.
Policy conditions
We’ll help you consider the declared business description, limits, excesses and relevant exclusions.
A job title rarely tells the whole story. Tell us what you do, where you work and who you work for so we can help you consider suitable liability options.
Before you choose
What should you consider?
- Third-party injury and property damage claims
- Defence costs where covered by the policy
- Products liability where included in the policy
These are topics to discuss, not a statement of cover. Terms, limits, exclusions and availability vary by insurer and policy.
What affects the premium?
Your occupation, turnover, activities, claims history and requested limit of liability.
What will you need?
Have your ABN, business activities, estimated turnover and required limit ready.
How can Royal help?
We help you compare suitable options available to us and explain the differences. You can also turn to us for claims support and renewal assistance.
An Advisor on your side
Know what happens next.
A clear process, from your first enquiry to your decision.
Start with your current schedule.
Send the information you have. We’ll identify what else is needed for a review.
Request a policy review →We understand the request
We discuss your activities or property, timing and any particular requirements.
We work through the information
We identify missing details and seek suitable options available to us. More complex risks may need further insurer questions.
You understand the options
We explain the proposed cover, costs, excesses and key conditions before you decide. We confirm when cover has been arranged.
Need professional indemnity and liability?
Describe your business once. We’ll discuss both cover needs with you.
Your questions, answered.
Is public liability the same as professional indemnity?
They address different types of risk. If your work combines advice with practical services, tell us about both. We can discuss the relevant options through one combined enquiry.
Does my occupation name give you enough information?
Usually we need more detail. Describe your actual activities, the places you work, any subcontractors and work that falls outside your usual jobs. This helps us present the risk accurately.
Can you check a client’s insurance requirements?
Yes. Share the relevant insurance clauses and any requested limits. We can discuss how the proposed policy compares; the full contract may also need legal review.
Can I include tools or business property?
Tell us what else you want to protect. The Business Pack enquiry provides a starting point for discussing equipment, premises, stock and other business needs.
Does requesting a quote start my insurance?
No. Sending an enquiry or quote form does not put cover in place. We will explain the next steps and confirm when cover has been arranged.
General information from Royal Insurance. For advice about your circumstances, send us an enquiry.
Ready to discuss your cover?
Start with a few details. A Royal Advisor will help you with the next steps.
Get your quote started