Domestic Services Insurance Online Public Liability Insurance Calculator
Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Public Liability – Limit Recommendation Calculator
Work through the steps to get a suggested limit of liability (e.g., $5m, $10m, $20m) based on your exposures and any contractual requirements.
This tool does not estimate premiums and is not advice.
Step 1 of 4
1) Business profile
Basic details to tailor the recommendation.
Optional, but helps calibrate the recommendation.
How often members of the public are on your premises or you work at public sites.
2) Contracts & requirements
If a landlord, council or head contract specifies a minimum limit, that becomes a floor.
Pick the highest requirement you face (tenancy, council, head‑contract).
USA/Canada exposures often push limits higher.
3) Exposure factors
Higher hazard activities and high-value sites generally push limits up.
Contractual/privity gaps may increase recommended limits.
Largest third‑party property you could damage in one event (client facility, mall, data centre etc.).
4) Results
Calculate your recommended Public Liability limit and review the reasons.
Tip: you can go back and adjust inputs; your progress auto-saves in this browser.
Heads‑up: This tool suggests limits using simple heuristics and your inputs. It is not advice or a quote. Insurer appetite and contractual wording prevail.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
How to use our Public Liability Insurance Calculator
Our Public Liability Insurance Calculator helps Australian businesses estimate an appropriate public liability limit of indemnity, such as $5 million, $10 million, $20 million or $30 million. This matters because a single injury or property damage claim can be financially severe, and many clients, landlords and councils require a minimum cover level before you can start work. The calculator provides a limit recommendation only and does not estimate premiums or provide a quote.
How to complete the form for the best result
1. Business profile
Industry: Select the closest match. If your work spans multiple areas, choose the higher-risk or highest public-contact category.
Annual turnover ($): Enter your current or expected annual revenue. Use a realistic figure to avoid underestimating exposure.
No. of staff (FTE): Include working owners and casuals converted to full-time equivalent, as more people can increase operational exposure.
Public or visitor exposure: Choose Low, Medium or High based on how often the public are on your premises or you work at public sites.
2. Contracts and requirements
Required by contract or landlord (optional): Select the highest limit you are required to hold, as contractual requirements can override personal preference.
Exports to USA or Canada: Select Yes if you have activities, clients, sales or work connected to these regions, as this can increase recommended limits.
3. Exposure factors
High-risk activities: Tick any that apply, including work at height, excavation, hot works, hazardous chemicals, or manufacturing and distributing products.
Use subcontractors: Select the level that reflects how much work is subcontracted, as subcontracting can increase gaps and liability exposure.
Single-loss property damage exposure (optional): Enter the largest third-party property value you could damage in one incident (for example, a client facility).
Claims in last 5 years: Choose the most accurate claims history option.
How to interpret your results
The recommended limit is a general guide based on the risk indicators you entered. If the recommendation is lower than your contract requirement, treat the contract requirement as the minimum. Use the JSON summary to share your inputs with a broker or insurer when requesting a tailored quote and policy wording review. This calculator provides general information only, not personal advice. Consider your objectives, financial situation and needs, and read the relevant policy wording and disclosure documents before deciding.
Suncorp has recently finalised a substantial reinsurance agreement valued at AU$2.4 billion, spanning five years. This strategic move is designed to cap natural hazard costs in approximately 90% of scenarios, thereby enhancing the company's financial resilience. - read more
Insurance Australia Group (IAG) has reported a net profit after tax of AU$505 million for the first half of the 2026 financial year, a decrease from AU$778 million in the same period of 2025. This decline is primarily attributed to the AU$174 million impact from severe weather events immediately following the acquisition of RACQ Insurance (RACQI), which occurred before the business was integrated into IAG's comprehensive reinsurance program in January 2026. - read more
The Australian Competition and Consumer Commission (ACCC) has escalated its scrutiny of Insurance Australia Group's (IAG) proposed acquisition of RAC Insurance, announcing a Phase 2 review to assess potential competition concerns within Western Australia's insurance market. - read more
In recent years, Australian insurance premiums have experienced a notable increase, driven primarily by escalating claims costs and the frequency of natural disasters. This trend has significant implications for homeowners and businesses across the country. - read more
Australia's insurance industry is currently grappling with an unprecedented surge in consumer complaints, primarily stemming from significant delays in processing claims. This trend has raised concerns about the efficiency and responsiveness of insurers in meeting policyholders' needs. - read more
The home services industry in Australia is vast and encompasses a wide range of services, from plumbing and electrical work to cleaning and landscaping. As this sector continues to grow, it presents unique challenges and risks for those running home service businesses. - read more
Public liability insurance plays a crucial role for any business operating within the home and domestic services sector in Australia. This type of insurance is designed to cover you in instances where your business activities have caused property damage or personal injury to a third party. Given the nature of home services, where professionals enter clients' homes and interact directly with them and their property, it becomes even more critical. - read more
Professional indemnity insurance is a key consideration for anyone involved in providing services or advice. This type of insurance is designed to protect professionals from claims made against them for negligence, errors, or omissions in the course of their work. - read more
The domestic service industry in Australia has been growing steadily, with an increasing number of businesses offering services ranging from plumbing and electrical work to cleaning and landscaping. This diverse sector provides essential support to households across the nation, contributing significantly to the economy. - read more
Knowledgebase
Policyholder: The individual or entity who owns the insurance policy.
