Liability Insurance, sometimes called statutory liability, covers fines and penalties imposed on your business for an unintentional breach of a law or regulation, such as work health and safety, environmental, or fair trading legislation. It responds to the penalty itself, as well as the legal costs of defending the matter.

This is different from Public & Products Liability, which covers claims for injury or property damage caused by your business. If what you're after is cover for a customer or member of the public being hurt or their property being damaged, that's Public & Products Liability — and we can assist you with the right insurance for your situation. Liability Insurance, in the sense, responds when a regulator takes action against your business for breaching a statute, regardless of whether anyone was harmed.

Almost any business can unintentionally breach a regulation — a workplace safety lapse, an environmental incident, or a misleading statement in marketing can all trigger regulatory action. We help you understand where this exposure sits alongside your other liability cover.