In Australia, Public Liability Insurance is the more commonly used term for insurance covering certain legal liabilities arising from third-party personal injury or property damage connected with business activities.

General Liability Insurance is terminology more commonly used in overseas markets, particularly the United States.

Are they the same thing? #

Not necessarily.

A policy described as General Liability can contain a broader combination of liability covers and should not automatically be treated as equivalent to an Australian Public Liability policy.

Rather than relying on the policy name, check:

• Insured activities
• Public Liability cover
• Products Liability cover
• Liability limits
• Geographic and jurisdictional limits
• Exclusions
• Contractual liability provisions
• Occupation-specific conditions

For Australian businesses, Public and Products Liability Insurance is terminology commonly used by local insurers.

If a contract or insurance requirement refers to General Liability Insurance, contact our team so we can review what insurance the requirement is seeking.