Compare your renewal and up to two new public liability quotes by premium, excess and limit against a claim scenario you choose.
Use this tool when you hold a renewal notice and one or two new quotes for the same business, activities, turnover and type of cover. Enter each premium as the full annual amount you would pay, including GST, stamp duty and any broker or policy fee. Enter the excess that would apply to the claim you are testing: many public liability policies apply the excess to property damage claims only, and some have a higher excess for particular activities, so check the schedule. The limit is the most the insurer will pay for any one occurrence.
How it works. For each quote the tool works out: insurer pays = the smaller of (claim minus excess) and the limit; your share = claim minus what the insurer pays. It adds your share to the premium and sorts the quotes from lowest to highest total.
Worked example (illustrative). A customer's equipment is damaged and $12,000 is claimed. The renewal costs $1,640 + $500 = $2,140; quote A costs $1,595 + $1,000 = $2,595; quote B costs $1,720 + $250 = $1,970. With no claim, quote A is cheapest at $1,595. Now try a serious injury claim of $15,000,000: the renewal and quote B leave you with $5,000,000 above their $10 million limit, while quote A leaves only its $1,000 excess.
Limits. The tool assumes the claim is covered. It does not check exclusions, defence costs (which some policies pay in addition to the limit and some include within it), products aggregate limits or the effect of a claim on next year's premium. Use it alongside the policy wording. All defaults are illustrative, not real quotes.
Worked Quotes and Checklists
How brokers, direct insurers, online platforms and underwriting agencies sell business liability cover in Australia, what they are paid, what to check and how to choose.
Costs, Price Factors and 2026 Rules
What an Australian business pack includes, how its liability section compares with a standalone policy, worked cost comparisons and who each option suits.
Worked Quotes and Checklists
How excesses work on Australian public liability and business insurance, the break-even arithmetic for a higher excess, special excesses and cash-flow checks.
Worked Quotes and Checklists
How to choose a public liability limit in Australia, what leases, councils and head contracts usually require, what the extra cover costs and how aggregate limits work.
Claim Failures, Disputes and Official Sources
The public and products liability exclusions that most often decide Australian claims, from faulty workmanship and professional advice to asbestos, pollution and vehicles.
Worked Quotes and Checklists
A step-by-step comparison of three Australian public liability quotes, with GST, stamp duty, fees, excesses, limits and exclusions tested against five claim scenarios.
