Consultants Insurance Online Public Liability Insurance Calculator

Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Public Liability – Limit Recommendation Calculator

This tool helps you choose an appropriate limit of liability (e.g., $5m, $10m, $20m) based on your business exposure and any contractual requirements. It does not estimate premiums.

Business profile

Industry

Annual turnover ($)

No. of staff (FTE)

Public/visitor exposure How often members of the public are on your premises or you work at public sites.

Contracts & requirements

Required by contract/landlord (optional) Pick the highest requirement you face (tenancy, council, head‑contract).

Exports to USA/Canada? USA/Canada exposures often push limits higher.

Exposure factors

High‑risk activities

Use subcontractors? Contractual/privity gaps may increase recommended limits.

Single‑loss property damage exposure (optional) Largest third‑party property you could damage in one event (client facility, mall, data centre etc.).

Claims in last 5 years?

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Knowledgebase

Elimination Period:
The time period between an injury and the receipt of benefit payments from an insurer, particularly in disability insurance.

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