Public & Products Liability Insurance

Public & Products Liability Insurance protects your business if someone is injured, or their property is damaged, because of your business activities or the products you supply. We arrange insurance that responds to third-party claims — scaled to what you do and who you deal with.

Public & Products Liability Insurance Covers the Cost of Claims Against Your Business

Public & Products Liability Insurance covers your legal liability for injury to other people or damage to their property arising from your business operations, your premises, or products you've manufactured, supplied, or sold. It responds to the cost of defending a claim as well as any damages awarded.

Many businesses need this insurance simply by virtue of dealing with the public, clients, or supply chains — a visitor on site, a faulty product, or an accident during your work can all trigger a claim. We help you set a limit of liability that matches the size and risk profile of your business.

Which Sectors Often Need Public & Products Liability Insurance

These are the sectors where Public & Products Liability Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Manufacturing

• Transport & Logistics

• Seafood & Aquaculture

• Distilleries & Wineries

• Property & Real Estate

• Community & Social Services

• Food & Beverage

• Agriculture & Primary Production

• Community & Social Services

• Trade & Subcontractor Services

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What You'll Need for a Public & Products Liability Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Business Activities

A description of what your business does, including any work carried out on other people's property or premises.

Products or Services Supplied

Details of any products you manufacture, supply, or install, and the markets they're sold into.

Annual Turnover

Your business's annual turnover, which is typically used to help calculate the premium.

Claims History

The details of any claims made in the past 5 years.

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How Public & Products Liability Insurance Differs From Related Products

Public & Products Liability vs. Professional Indemnity

Public & Products Liability responds to physical injury or property damage. Professional Indemnity responds to financial loss caused by advice, design, or professional services you've provided. Many businesses that provide both physical work and professional advice carry both.

Public & Products Liability vs. Product Recall

Public & Products Liability covers the cost of a claim once injury or damage has occurred. Product Recall covers the cost of withdrawing a faulty or contaminated product from the market before it causes further harm.

Public & Products Liability vs. Management Liability

Public & Products Liability protects against third-party claims. Management Liability protects your business and its directors against claims arising from how the business itself is run, such as employment disputes or regulatory action.

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