What is the average cost of public liability insurance in Australia?

What is the average cost of public liability insurance in Australia in 2025-2026 is $400 to $800 per year for small business with $10M to $20M cover, according to BizCover, Guild and AON data. Average for sole trader with turnover under $100K, low-risk occupation like consultant, tutor, artist, photographer is $300 to $600 per year for $10M cover, $400 to $700 for $20M. For trade like electrician, plumber, carpenter, average $600 to $1,200 per year for $10M to $20M due to higher risk. For retail shop, café, restaurant, average $500 to $1,000 per year. For market stall and event, $200 to $400 per event or $400 to $600 per year. For golf coach, $400 to $700 per year. For building and construction $20M, $1,000 to $2,500 per year. Factors affecting average cost include turnover, number of employees, type of work, claims history and cover level, with $20M only slightly more than $10M, so most businesses choose $20M as required by councils. For example, artist public liability $10M $350 per year, personal trainer $500, cleaner $600, café $700. Public liability is tax-deductible. So average cost is $400 to $800 per year for $10M to $20M for small business, or $35 to $70 per month, making it affordable protection against claims that can be $50K to $500K.