Blogs - Public Liability Insurance for Sole Traders: What You Need to Know

Public Liability Insurance for Sole Traders: What You Need to Know

As a sole trader, you’re your own boss. But with independence comes responsibility. Public liability insurance is essential to protect your business from unexpectedrisks. Here’s what you need to know.

What is Public Liability Insurance?

This type of insurance covers claims of injury orproperty damage caused by your business activities and made by a third party -including customers or clients. It’s a must-have for any sole trader workingwith clients or customers.

Common Risks for Sole Traders

● A client trips over your equipment and injures themselves.

● You accidentally damage a customer’s property.

● A third party files a claim against your business.

Get Covered in Minutes with Upcover

With Upcover you can get a public liability insurance quote online and be covered in minutes. The policies we offer are tailored to the unique risks faced by sole traders, ensuring you’re never caught off guard.

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© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

Public Liability Insurance for Sole Traders: What You Need to Know

What is Public Liability Insurance?

Common Risks for Sole Traders

Get Covered in Minutes with Upcover

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Protect your business today.