Protect your business against claims for injury or property damage arising from your business activities or the products you supply.
Public & Products Liability Insurance protects businesses against claims for personal injury or property damage suffered by third parties as a result of business activities or products supplied.
Claims can arise from everyday incidents — from a customer slipping at your premises to a product causing injury long after it has been sold. This insurance helps cover legal defence costs, compensation payments and settlements, protecting your business’s finances, reputation and ability to continue operating.
Public & Products Liability Insurance is commonly arranged by:
Covers claims arising from injury or property damage to third parties in connection with your business activities — on your premises, at client locations or in public spaces.
Covers claims arising from products you manufacture, sell, distribute or supply, including injury or damage occurring after the product has left your control.
Covers the cost of investigating, defending or settling claims, even where the claim is ultimately unsuccessful.
Public & Products Liability Insurance is typically written on an occurrence basis, covering incidents that occur during the policy period—even if claims are made later. It responds to third-party bodily injury and property damage arising from business operations or supplied products.
Limits apply per occurrence and in the aggregate, with an excess payable per claim. Products liability generally shares the overall policy limit. Limits commonly range from $5M to $20M, depending on contractual and industry requirements.
Third-party injury claims can be severe and unpredictable
Legal defence costs can escalate quickly
Often mandatory under contracts, leases or licences
Protects business assets and cash flow
Provides confidence when working with clients and principals
Speak with a broker who understands your business risks.
Get My Public Liability Insurance QuoteImportant: Public & Products Liability Insurance does not generally cover faulty workmanship, professional advice, product design defects (unless endorsed), known defects or intentional acts. Policy terms, exclusions and extensions vary significantly between insurers. Advice from a Seguro insurance broker is recommended.