The appropriate level of public liability cover depends on several factors, including:

• The nature of your work
• The size and scale of your business
• The types of clients or contracts you take on
• Any site access or licensing requirements

Common cover limits include:

• $5,000,000
• $10,000,000
• $20,000,000

Higher limits are often required for government projects, large commercial contracts, or work in public areas. These limits are usually specified in contract terms and must be in place before work can begin. There can be requirements for a $50,000,000 limit in some situations.

If you are unsure what limit is suitable for your business, contact us and we can help assess your risk exposure and make sure your cover meets both legal and contractual obligations.