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Public & Products Liability

Public and Products Liability is considered to be one of the most important insurance covers for all businesses.

Public and Products Liability insurance is designed to protect you and your business from the significant costs associated with any legal action as a result of your actual or alleged negligence that has caused third party property damage or personal injury, whilst acting in the course of your business (including employees) or through your products.

Accidents can and do happen.

You have a duty of care to uphold to your customers, employees, and the general public. If deemed negligent, even without intent, compensation ordered payable to claimants can be substantial and potentially damaging to the financial position of your company.

Public and Products Liability insurance can cover you for:

  • amounts you are required to pay as a result of claims
  • compensation for third party personal injury and/or property damage, arising as a result of an occurrence in connection with your business
  • legal proceedings, including defence costs incurred to defend the claim
  • most Public and Products Liability insurance policies will also include liability for damage to property under your physical and legal control.

A Public and Products Liability policy will ensure that your business has greater financial security for the future, allowing you to plan ahead with greater certainty.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer specific policy wording for inclusions, exclusions, terms and conditions.

 

Covered Features

  • Public & Products Liability Defence Costs

    Defence Costs

    Provides cover for defence costs as well as any compensation.

  • Public & Products Liability 3rd Party Property Damage & Personal Injury

    3rd Party Property Damage & Personal Injury

    Provides cover for liability incurred as a result of negligence, actual or alleged, that has resulted in 3rd party property damage or personal injury.

  • Public & Products Liability Care, Custody & Control

    Care, Custody & Control

    Cover provides for damage to a 3rd party’s goods held in your Care, Custody and Control.

  • Public & Products Liability Definition of Insured

    Definition of Insured

    Provides for a broad definition of insured to include directors, owners, employees and volunteers whilst carrying out the business of the Insured.

  • Public & Products Liability Territorial Limits

    Territorial Limits

    Cover includes Australia-wide but is often extended worldwide (excluding North America)

  • Public & Products Liability Potential to Extend Cover

    Potential to Extend Cover

    Cover can be extended to include errors & omissions, statutory liability, recall expenses & environmental risk.

General Enquiry

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Andrew Saville
Public & Products Liability

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FAQ'S

  • Question:
    A member of the public fell over on my premises and has claimed it’s my fault, will this policy provide cover?
  • Question:
    A customer claimed that a product I sold them has injured them, will this policy respond?
  • Question:
    I import products from Asia to sell, will my policy provide cover even though I did not manufacture the product?
  • Question:
    An employee has caused damage to a client’s property, will the policy provide cover?
  • Question:
    I was working on a client’s machine in my workshop and have damaged it, will the policy respond?
  • Question:
    My tenant has claimed that a burst pipe has caused damage to his stock, will this policy cover me as a property owner?

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