Public & product liability insurance
This cover offers protection for you, your staff and members of the public, by covering financial costs involved if a third party seeks compensation for your negligent actions.
- Get up to $20m public liability cover
- 24/7 emergency claims team
- Monthly payment plans
- Fast Certificate of Currency
- Over 35 years supporting Australian businesses
What is public liability insurance?
If you or your staff have been negligent in the workplace and a third party (not an employee) is injured physically or psychologically, had their property damaged or suffered financial loss, they may sue you for money to compensate them for their injury or loss. Negligence may be established if it can be shown that your actions failed to demonstrate reasonable care for others. Of course, the claimant will need to evidence your negligence and their loss, and the claim may not be successful. You will, however, still need to defend against such claims.
What is product liability insurance?
Product liability insurance is usually included in your public liability policy and is essential if you sell, supply or deliver products to members of the public. The policy comes into effect if your goods are deemed to have caused loss or damage. Loss or damage can include injuries, death or economic loss caused by damage to, or destruction of someone else’s property or possessions. Having the correct product liability in place that enables you to manage insurable risks associated with design defects, manufacturing defects, inadequate labelling, or instructions or warnings is essential to the security of your business.
What can public & product liability insurance cover?
Public Liability covers:
Third-party bodily injury
Third-party property damage
Legal defence costs
Compensation payments
Product Liability covers:
Claims arising from products sold or supplied by your business
Injury caused by a product
Property damage caused by a product
Legal defence costs and compensation payments
*The inclusions depend on the specific insurance cover you select. To learn more, submit an enquiry or contact our team on 13 IMAR or 1300 540 156. Refer to the Product Disclosure Statement and policy documents for full terms and exclusions.
Industries we cover
Whether you're on the tools, running jobs or managing projects, explore insurance solutions designed for the day-to-day realities of working in the trades.
Every business is different. We build solutions for businesses across a wide range of industries, from beauty and wellness through to retail, professional services and specialist trades.
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