Public and Product Liability Insurance in Australia
Public Liability Insurance and product liability insurance covers your business for claims arising from bodily injury, defamation or property damage. This can cover you whether it happens on your business site or as a result of the use of the products you make.
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When you make or do something that has the potential to cause damage in ANY way, you need Public and Product Liability Insurance. If something that you are responsible for hurts someone, you are liable to pay compensation for personal injury.
This can cover physical and property damage. You are also liable if you hurt someone professionally by using their image or products without permission or in the wrong way.
Public and Product Liability is the name for the insurance you need to make sure your business stays running and your customers stay safe. Get a quote for your business here.
Product Liability Insurance in Australia
This includes damage or loss of other peoples' goods in your care and control.
Example 1: If you were running a warehousing company and you had a flood, things belonging to other people could be damaged or destroyed. That would be an example of injuring someone financially by destroying their products.
Public & Product Liability Insurance covers you when things and people are damaged by what you make and do. Whether it is your fault or not.
Example 2: Another way you could be held liable would be if you hurt someone on your premises. A very common cause for someone to sue for liability would be burns from scalding drinks at a coffee shop.
A person choking on a fish bone at a restaurant could end up in hospital and lose earnings. Either way, their condition and their medical costs or loss of income would be considered your fault. In other words, you would be liable.
Public Liability Insurance in Australia
Public Liability Insurance can also provide cover in the event that you damage someone's reputation. This can be through misleading advertising, unfair comparisons of their services or use of their image or work without permission. It can cover what you do in print, on your website and even comments that you make on social media.
When it comes to their reputation, people can be extremely protective so you need to be very careful. However, they can also be very over-sensitive. Sometimes it doesn't matter whether you are in the wrong or not. It is important that you have the right insurance in the event that someone decides to take things to court.
What Happens When You Need to Claim?
We're here to support you through the claims process.
- 1
Tell us
Contact us with details of the incident.
- 2
Provide details
Share your policy and claim information.
- 3
We lodge & support
We handle the claim with the insurer.
- 4
Stay updated
We keep you informed at every step.
Explore Your Product Liability Insurance Options
If your business manufactures, supplies or sells products, a product-related injury or property damage claim could have serious financial implications. SureInsure helps businesses explore product liability insurance options to find cover suited to their business activities and insurance needs.
FAQ About Public and Product Liability Insurance
Our goal is to provide clarity and help you understand how we support your insurance needs. Still have any questions?
Public and products liability insurance protects you from being held liable for any accidents or injuries that occur as a result of your business operations. It can also provide protection for any damage that your products or services may cause. This type of insurance is important for any business, but it is especially important for businesses that deal with the public on a regular basis.
Business owners, hospitals, and even doctors all need professional liability insurance. A liability insurance policy is typically obtained by firms and individuals who may be held responsible for legal or financial liabilities as well as other important concerns.
This type of insurance can cover a wide range of potential liabilities. Some of the most common types of coverage include:
Bodily injury: This type of coverage can protect you from being held liable for any injuries that occur as a result of your business operations. This can include accidents that occur on your property, as well as accidents that occur off of your property.
Property damage: This type of coverage can protect you from being held liable for any damage that your business operations may cause. This can include damage to someone else's property, as well as damage to your own property.
Product liability: This type of coverage can protect you from being held liable for any injuries or damages that occur as a result of your products or services. This can include accidents that occur while using your products, as well as accidents that occur after someone has used your products.
Public liability insurance is designed to protect you from being held liable for any accidents or injuries that occur as a result of your business operations. This can include accidents that occur on your property, as well as accidents that occur off of your property. Product liability insurance is designed to protect you from being held liable for any injuries or damages that occur as a result of your products or services. This can include accidents that occur while using your products, as well as accidents that occur after someone has used your products.
Both public and product liability insurance are important for businesses, but they each provide different types of coverage. It is important to understand the difference between the two so that you can make sure you have the right type of insurance for your business.