Public Liability Insurance

What can it cover?

Public and products liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by your business. It can even cover emotional distress or shock that your business causes another person.

It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay.

Depending on your policy, public and products liability insurance can cover:

Type of coverPotential benefits
Personal InjuryIf somebody is wrongfully injured by your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Property DamageIf property is damaged due to your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.
Advertising injuryLiability arising out of advertising carried out by or on behalf of the insured.
Typically a Liability Insurance for any business should be accepted for these reasons;

  • Liability cover between $5 million to $20 million
  • Expense cover for rendering first aid to others
  • Legal costs and expenses cover
  • Third party property cover (Customers Goods) when in your care, custody or control

Products Liability and where the exposures may lie in your business would be from Goods you;

Manufacture, construct, erect, assemble, install, grow, extract, produce or process, treat, alter, modify, repair, service, bottle, label, handle, sell, supply, re-supply or distribute, import or export, by You or on Your behalf.   If you Design or provide formula, Specification or Direction (advice) towards certain Products then let us especially consider these Risks separately in our review of your business.

Talk to us today to secure protection for you and your clients

Let's Talk