Allianz public liability insurance is a product from a general insurer that is licensed in Australia, and this guide sets out what the insurer's own pages say about it. We use the product page, the complaints page and the regulator's register, and we do not rate or recommend it. The aim is to show what you can verify and what to check in the wording.
Quick answer
Allianz sells Public and Products Liability Insurance through Allianz Australia Insurance Limited, which the APRA register lists as authorised. Its page lists inclusions, exclusions and limits. The policy wording is what binds you.
Allianz Public Liability Insurance at a Glance
| Question | Short answer |
|---|---|
| Who is the insurer? | The product page names Allianz Australia Insurance Limited, ABN 15 000 122 850, AFS Licence No. 234708 |
| Is it on the regulator's register? | The APRA register lists Allianz Australia Insurance Limited as authorised for new or renewal business |
| What is the product called? | Public and Products Liability Insurance, per the Allianz page |
| Which limits does the page show? | $5 million, $10 million or $20 million, according to the page |
| What does the page list as not covered? | Items such as contractual liability, professional advice and faulty workmanship |
| How do you complain? | Through Allianz first, then AFCA where it can act |
Who Issues the Policy and How to Check It
The product page says that Allianz Australia Insurance Limited is the insurer, and gives its ABN and Australian financial services licence number. The footer names a different company as copyright holder, so the entity on your policy documents is the one that matters.
You can test the insurer name yourself. APRA's register of general insurers, which showed an update date of 23 September 2026 when we read it, lists insurers it has authorised, those in run-off and those whose authorisation was revoked. business.gov.au suggests checking an insurer there. Match the register name to the name on your quote and certificate.
What the Product Page Says
The page describes cover for third party injury, third party property damage and the reasonable cost of legal fees and expenses of defending a claim, even if you are not at fault. It also mentions third party property in your care, custody or control. These are marketing statements, not the contract.
The same page lists exclusions, including your own property, contractual liability, professional advice, faulty workmanship, fines and penalties, employers liability, asbestos, product warranties and drones. It offers limits of $5 million, $10 million or $20 million and quotes online and by phone. The page is undated, so confirm any detail against the current product disclosure statement.
If an exclusion touches what you do, such as contractual promises to a client, ask before you buy. Our guide to what public liability covers explains why exclusions decide so much.
What to Check in the Wording
Use these questions on Allianz public liability insurance or any other policy:
- Does the limit meet each contract, licence or lease I hold?
- Do defence costs sit inside the limit or in addition to it?
- Is product liability part of the policy, as the product name suggests?
- Does an exclusion touch the work I do?
A certificate of currency confirms the entity covered, the type of cover and that the policy is valid on a given date, so ask for one once you hold a policy. Our certificate guide explains what to expect.
Complaints and Disputes
The Allianz complaints page says it acknowledges a complaint within one business day. For products other than compulsory third party, it aims to resolve a complaint within 5 business days, with updates at least every 10 business days and a written decision within 30 calendar days. It names AFCA as the external scheme.
AFCA's role is narrower for this type of product. Our national guide explains that AFCA says it cannot consider public liability for small business insurance products, although it suggests lodging a complaint so it can review whether it can help.
Comparing Alternatives
One insurer's page tells you little until you set it beside others. Our compare guide gives a checklist and our providers guide explains insurers, brokers and comparison sites. For another brand page in the same format, see our NRMA guide.
Where to Go Next on Cairn Cover
The one thing to remember: verify the insurer, then read the wording. Cairn Cover is a free guide and does not sell insurance or quote prices. Start with the national guide, then read the cost guide, the quotes guide and the Queensland guide.
Frequently Asked Questions
Is Allianz authorised to sell public liability insurance in Australia? The APRA register lists Allianz Australia Insurance Limited as authorised for new or renewal business. The product page names that company as the insurer. Check the entity named on your own documents against the register.
What does Allianz public liability insurance cover? The product page lists third party injury, third party property damage and defence costs, plus property in your care, custody or control. It also lists exclusions. Policy wording governs, so read the product disclosure statement before you rely on any summary.
How do I complain about an Allianz policy? Start with Allianz, which says it acknowledges a complaint within one business day. If you are unhappy with the outcome, ask AFCA whether it can consider your complaint, since its remit for public liability is limited.
Does Cairn Cover recommend Allianz? No. We use an insurer's own pages and the regulator's register to explain what is verifiable. We do not rate insurers, show reviews or tell you what to buy.