Public Liability Insurance Brokers for Australian Businesses

Specialist cover for trades, e-commerce, and hard-to-place risks that other brokers struggle to secure.

$100M

Limit Access

Same Day

Certificates

Specialist

Markets

Recognition

WHY TANK INSURANCE

Why businesses come to us

One claim can undo years of hard work. Whether you're a tradie on site, an e-commerce business shipping products, or a contractor who's been knocked back elsewhere, you need cover that actually holds up.

Hard-to-Place Specialists

We work with Lloyd's of London and specialist agencies. Getting terms is about understanding your business and building a clear brief insurers trust.

Same-Day Certificates

We know waiting on paperwork holds up jobs. For straightforward risks, we can have your Certificate of Currency organised within hours.

Direct Broker Access

No call centres. You get a direct line to the people handling your policy. We're available when you need us, not when a script says so.

High Limit Capability

We arrange $10M to $100M+ limits for contractors working on major infrastructure, government projects, and Tier 1 construction sites.

SECTOR EXPERTISE

Industries We Work With

We place public liability cover across a wide range of industries, with a particular focus on high-risk and complex operations.

Trades and Blue-Collar (Plumbers, Electricians, Builders)

Asbestos and Hazardous Materials (Friable & Non-Friable)

E-Commerce and Product-Based Businesses

High-Limit / Tier 1 Contractors ($20M - $100M+)

Earthmoving and Civil Construction

Scaffolders, Roofers and High-Risk Height Work

Demolition and Strip-out Contractors

Importers and Distributors (Product Liability specialists)

CLIENT SUCCESS

How we've helped

Real examples of how we've secured cover for complex liability risks.

01 Earthmoving Contractor – Tier 1 Projects

A sole trader in earthmoving came to us looking for a pricing estimate, thinking they wouldn't need cover until the following year. After understanding their situation, we identified that the Tier 1 sites they were targeting had strict insurance requirements. We secured the specific terms they needed to operate on those commercial sites, and they were work-ready months ahead of schedule.

THE RESULT:

Work-ready for Tier 1 sites months ahead of schedule with compliant high-limit cover.

02 Solar and Electrical Business – Better Terms

An electrical and solar business was struggling to find liability cover through their existing channels. We approached specialist underwriters we work with regularly on these types of risks and negotiated terms that were actually better than their previous policy, with similar cover and a lower premium.

THE RESULT:

Secured broader coverage terms with a lower annual premium than previous renewal offers.

03 Asbestos Removal – Sydney CBD Heritage Site

An asbestos removal company needed cover for strip-out and partial demolition work across commercial and residential sites in Sydney, including work on heritage buildings in the CBD. This is a hard-to-place risk. We worked closely with them to build a detailed brief covering their methods, turnover split, and project types, then placed the policy through a specialist market.

THE RESULT:

Compliant placement for high-hazard activities on sensitive CBD heritage sites.

POLICY SCOPE

What Public Liability Insurance Covers

Public Liability protects your business when someone is injured or their property is damaged because of your work.

Usually Covered

✓ Personal Injury – Slip and falls, site accidents, or injuries to the public.

✓ Property Damage – Accidental damage to client homes, sites, or equipment.

✓ Product Liability – Injury or illness caused by products you sell or supply.

✓ Legal Defence Costs – Costs to defend a claim, even if it's baseless.

✓ Tenant's Liability – Damage to premises you rent for your business.

✓ Member of the Public claims – Protection against third-party lawsuits.

Not Typically Covered

✕ Intentional acts or criminal wrongdoing.

✕ Professional errors (Professional Indemnity is required).

✕ Employee injuries (Workers Compensation is required).

✕ Asbestos (unless specific extension is added).

✕ Known claims not disclosed to the insurer.

✕ Vehicles on public roads (Motor insurance required).

MISTAKES TO AVOID

Common Misunderstandings

Public Liability seems simple, but getting it wrong can be a terminal mistake for a business.

01 Small business doesn't mean small risk

The size of your business doesn't determine the size of a potential claim. A serious injury can result in claims well into the hundreds of thousands, regardless of turnover.

02 Public liability isn't 'all-risk'

It covers injury and property damage, but not financial loss from professional advice. That requires Professional Indemnity, which is a separate policy.

03 The hidden cost of online policies

Cheap online policies often come with exclusions that aren't obvious until claim time. For high-risk work, these gaps can leave you personally exposed.

04 Product liability is critical for importers

In Australia, importers are often treated as the manufacturer by law. You are liable for defects even if you didn't make the product yourself.

QUESTIONS

Frequently Asked Questions

01 Do I need public liability if I work from home?

Yes. If clients or couriers visit your premises, or if you visit client sites, you're exposed to liability claims. Standard home and contents insurance typically excludes business activities.

02 What's the difference between public liability and professional indemnity?

Public liability covers physical injury or property damage to third parties. Professional indemnity covers financial loss caused by your professional advice, designs, or errors. Many businesses need both.

03 Is product liability included in public liability?

Usually, yes. Most Australian public liability policies are combined policies that include product liability. But if you import or export goods, the specific terms need review to make sure there are no exclusions for products made overseas.

04 Can you help if I've been knocked back by other brokers?

Yes. This is a large part of what we do. We work with specialist underwriters and know how to present complex risks in a way that gets terms. If you've been told your risk is too hard to place, get in touch.

Get the Right Cover for Your Business

If you've been knocked back, need higher limits, or just want to speak to a broker who understands your industry, we're here to help.

Call 02 9000 1155 Request a Quote →

Need Something Specific?

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Public Liability Insurance Brokers for Australian Businesses

Why businesses come to us

Hard-to-Place Specialists

Same-Day Certificates

Direct Broker Access

High Limit Capability

Industries We Work With

How we've helped

What Public Liability Insurance Covers

Usually Covered

Not Typically Covered

Common Misunderstandings

Frequently Asked Questions

Get the Right Cover for Your Business