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Liability Insurance

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Liability Insurance covers your business if someone makes a legal claim against you. This could be a customer who slips in your store, a client who thinks your advice caused them a loss, or someone who says your product hurt them.

There are different types of liability insurance depending on what your business does. Some policies cover physical harm, others cover financial losses or online issues. In many industries, liability cover is required by law, contract, or for leasing a property.

At Bluewell we help businesses of all sizes get the right liability protection. Whether you are a sole trader, consultant, company director, or online store owner, we can help you find the right cover to match your risks.

Types of Liability Insurance

Each type of liability insurance protects your business from different risks. You may need one or more depending on how your business operates.

Biz Insurance

Public Liability

Bluewell helps businesses across Australia secure tailored public liability insurance, from low-risk offices to high-risk trades like asbestos removal and crowd control.

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Professional Indemnity

Professional indemnity insurance protects service providers from claims of negligence or errors. Bluewell helps you find the right cover fast.

Accountancy Public Liability Insurance

Product Liability

Product liability insurance protects your business from third-party injury or damage caused by your product. Bluewell makes it easy with fast, free online quotes.

project management cover

Management Liability

Management liability insurance protects your business and directors from claims over misconduct or breaches. Bluewell secures comprehensive cover suited to your risks.

Public Liability Insurance

Directors & Officers Liability

Directors & Officers insurance protects individuals in leadership roles against personal liability for decisions made on the job. Bluewell sources the right cover for you.

Why Liability Insurance Is Important

Even small mistakes can lead to expensive claims. A single lawsuit or investigation could cost thousands of dollars in legal fees, and that is before any settlement or fine, along with months of back and forth.

Liability Insurance helps you:

  • Cover the cost of legal defence
  • Pay compensation or settlements if needed
  • Meet contract or lease requirements
  • Keep your business running during disputes
  • Reduce stress if something goes wrong

Frequently Asked Questions

Public Liability covers physical injury or property damage to others caused by your business. Professional Indemnity covers financial loss caused by your advice or service.

Not always. It depends on your business. Some may only need Public Liability. Others, like consultants or directors, may need extra protection such as Professional Indemnity or Management Liability. A broker can guide you.

In some industries, yes. Trades often need Public Liability to work on-site. Some professions are required to hold Professional Indemnity by law or their industry body.

If someone makes a claim and you are not covered, you may have to pay legal costs, compensation, or damages yourself. This could seriously affect your business or personal finances.

This depends on your industry, clients, and contract requirements. Cover amounts usually start at 5 million dollars and go up to 20 million or more for higher risk businesses. We can help you choose the right level.

Yes. Many business owners combine liability, property, and interruption cover into one easy Business Insurance Pack. This helps reduce costs and simplifies renewals.

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