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What we cover

Public Liability Insurance:
Because accidents happen (even to the pros).

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The Lowdown

Owning property is a great way to build wealth—until a pipe bursts, a tenant disappears, or a legal dispute lands on your doorstep. We help you protect your bricks, mortar, and bank balance with zero hidden commissions.

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What it protects against

Accidental injury to the public, damage to someone else’s property, and the legal headaches that follow.

Who Needs It

FAQs

I work from home. Do I still need this?
If a delivery driver trips on your doorstep or a client visits for a coffee and spills it on their $3k laptop, you’re on the hook. Public Liability covers those “oops” moments, even in a home office.

Easy:

  • Public Liability is for physical stuff (broken bones or broken windows).
  • Professional Indemnity is for financial stuff (bad advice or mistakes in your work).

Proof that we’ve got your back.

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Excellent42 reviews

© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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