In Australia, public liability is the standard term used to describe insurance that covers third-party injury or property damage resulting from your business activities.

General liability is a broader term more commonly used in the United States and other international markets. It often refers to a combination of covers, with public liability included as one part.

In most cases, the terms are used interchangeably, but in the Australian market, public liability insurance is the recognised term.

If you come across a policy labelled as general liability, it’s important to check that it meets Australian standards and includes the specific cover your business requires.

Contact us if you’re unsure and would like help confirming the right type of insurance for your situation.