Freelancers 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.
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Knowledgebase
Subrogation: The process by which an insurance company seeks to recover the amount paid to the policyholder from a third party responsible for the loss.
