Public & Products Liability Insurance
Protection against covered third-party injury and property damage claims.
Protect what keeps your business moving
An accident involving a customer, supplier or member of the public can expose your business to compensation and legal costs. A product that causes injury or damages property can create similar consequences. Public and products liability insurance helps protect your business against covered third-party claims.
Who should consider it?
This cover is recommended for most businesses, particularly those that interact with the public, work at client sites, manufacture or sell products, or supply, install, repair or assemble goods.
What can it cover?
Depending on the insurer, policy and options selected, cover may include:
Personal injury
Liability to pay damages when a third party is wrongfully injured by your business activities or product.
Property damage
Liability for covered damage to third-party property caused by your activities or product.
Advertising injury
Selected liability arising from advertising carried out by or for the insured.
Investigation, defence and settlement costs for claims triggered by the policy.
Compensation and defence costs arising from covered third-party injury or property damage claims.
Important considerations
Cover varies between insurers. Excesses, sub-limits, exclusions and specific security or risk-management conditions may apply.