CGU public liability insurance is a business insurance product sold under the CGU brand in Australia, and this guide sets out what CGU's own product page says and what you can verify yourself. We also explain one thing we could not confirm: which company issues the policy. We do not rate or recommend CGU or any other insurer.
Quick answer
CGU's page lists inclusions, exclusions and three limits, and says it can be bought online or by phone. The page names no legal insurer, so check the entity in your product disclosure statement against the APRA register.
CGU Public Liability Insurance at a Glance
| Question | Short answer |
|---|---|
| What does the page say it covers? | Claims from accidents or injuries linked to your business activities |
| Which limits does it show? | $5 million, $10 million or $20 million, with higher limits by calling |
| What does it list as not covered? | Items such as workers' injuries, asbestos and product recall |
| Who is the insurer? | The page names only the brand, so we could not confirm the entity |
| How can you buy? | The page says directly online or over the phone |
| Is it on the APRA register? | The register lists CGU Australia Pty Ltd as authorised, but we could not link it to this product |
| Do we review it? | No. We use official and insurer pages only |
What the Product Page Says
The page describes protection against claims from accidents or injuries that result from your business activities. It lists legal costs of defending or settling covered claims, cover for people acting on your behalf and first aid expenses at the time of an incident. These are insurer marketing statements and not the contract.
The same page lists what is not covered: employer responsibility for injured workers, which falls under workers compensation, plus aircraft products, asbestos, punitive damages, gradual pollution and product recall. It also says losses from professional services or advice fall under professional indemnity. Compare that list with the work you do, because an exclusion that touches your trade matters more than a headline benefit.
It offers limits of $5 million, $10 million or $20 million and says higher limits are available by phone. Our 10 million guide and 20 million cost guide explain where those numbers come from. The page is undated and gives two different sets of phone hours, so confirm details against the product disclosure statement.
Who Issues the Policy: What We Could Not Confirm
The CGU page names only the brand. It gives no legal entity, ABN or Australian financial services licence number, and we could not open CGU's other pages to find one. That matters because a brand is not an insurer.
The APRA register of general insurers, which showed an update date of 23 September 2026 when we read it, lists CGU Australia Pty Ltd as authorised for new or renewal business. It also lists CGU Insurance Limited under revoked authorisations, with a revocation date of 25 September 2017. We cannot say from these pages which entity stands behind a current CGU public liability policy. The documents you receive will name it, so check the name there, then search the register for that exact name. business.gov.au suggests using the register to find an authorised insurer.
What to Check in the Wording
Use these questions on this policy or any other:
- Does the limit meet each contract, licence or lease I hold?
- Are defence costs inside the limit or in addition to it?
- Does an exclusion touch the work I do?
- Is the entity on the policy the one named on my contracts?
A certificate of currency confirms the entity covered, the type of cover and that the policy is valid on a given date. Our certificate guide explains what to expect.
Complaints and Comparing Alternatives
We could not open CGU's complaints page, so we do not describe its steps. The product disclosure statement and policy documents should set them out. Our national guide explains that AFCA says it cannot consider public liability for small business insurance products, so ask AFCA early whether it can help.
One insurer's page tells you little until you set it beside others. Our compare guide gives a checklist, our providers guide explains the routes, and our Allianz guide shows a brand page in the same format.
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 the cost guide, the quotes guide and the Queensland guide.
Frequently Asked Questions
What does CGU public liability insurance cover? The product page describes claims from accidents or injuries linked to your business activities, and lists legal costs and first aid expenses. It also lists exclusions. The policy wording governs, so read the product disclosure statement.
Which company issues CGU public liability insurance? The product page names only the brand. The APRA register lists CGU Australia Pty Ltd as authorised, but we could not link it to this product. Check the entity in your policy documents.
What limits does CGU offer? The page shows $5 million, $10 million or $20 million, and says higher limits are available by phone. Which limit suits a contract is a question for the contract and a licensed adviser.
Does Cairn Cover recommend CGU? 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.