Guide
How much is $20 million public liability insurance?
Councils, venues and head contractors often ask for $20 million public liability. Here’s what drives the price, who asks for it, and how to compare it against lower limits.
- Who asks for $20 million, with sources
- Compare limits in one request
The short answer
There’s no fixed price for $20 million public liability. The limit is one part of the premium; your occupation, turnover, claims history and the work you do matter as much or more. A $20 million policy costs more than a lower limit for the same business, and comparing quotes for each limit is the only way to see the difference.
Who asks for $20 million
These are examples of permits that set a $20 million minimum:
| Permit | Requirement |
|---|---|
| City of Melbourne footpath trading | $20 million. |
| Brisbane footpath dining | $20 million, with Council named as an interested party. |
| Brisbane commercial activity in parks, such as personal training | $20 million. |
| City of Perth outdoor dining | $20 million for any single occurrence, with the City noted. |
| City of Adelaide permits, such as mobile food vendors | $20 million, with the City noted. |
| ACT outdoor dining | $20 million, with the ACT Government noted. |
| City of Hobart parklets and street-side dining | At least $20 million. |
| City of Darwin street food | $20 million, with the City noted. |
| City of Sydney outdoor dining on state managed roads | $20 million. Elsewhere, typically $10 million. |
How the limit works
How to compare $20 million cover
$20 million public liability questions
Do I need $20 million public liability?
Only if your permit, lease, contract or venue asks for it. Many council permits for footpath dining, trading and park activities do.
Is $20 million public liability much more expensive than $10 million?
It costs more, but how much more depends on your business. Compare quotes at both limits.
What does “noted as an interested party” mean?
The council or client is named on your policy, so they can confirm the cover. Many permits require it.
What if I need more than $20 million?
Higher limits are arranged through a licensed broker. Tell us and we’ll refer you.
Can I increase my limit during the policy?
Usually you can ask your insurer to change it, and the premium is adjusted. Check your policy terms.
Compare the covers
More guides
Sources
- City of Melbourne: Footpath street trading
- Brisbane City Council: Footpath and outdoor dining permits
- Brisbane City Council: Personal training in parks
- City of Perth: Outdoor dining guidelines (2024)
- City of Adelaide: Mobile food vendors
- Access Canberra: Outdoor dining permits
- City of Hobart: Parklets and street-side dining
- City of Darwin: Street food permit conditions
- City of Sydney: Outdoor dining policy and guidelines
$20 million public liability