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Public & Products Liability Insurance

If your business is a seller, supplier or manfacturer of a product then this form of liability insurance is essential.

What is it?

Product Liability Insurance protects your business for claims made against you which arise from a product you sell, supply or manufacture. This form of liability insurance is provided under a General Liability Insurance policy which will include cover for both Public and Product Liability Insurance.

Who needs Public & Products Liability Insurance?

Any business that sells, supplies or manufactures a product of any description will need to have Product Liability Insurance. Product Liability Insurance is generally provided under a General Liability insurance which includes cover for both Public and Product Liability.

What is covered?

Product Liability Insurance is designed to cover you for claims for personal injury or property damage which arise from the product you sell, supply or manufacture. This form of liability insurance covers you for any sum which you are legally liable to pay for compensation as a result of the product your business trades in.

The type of products covered include anything which is manufactured, grown, extracted, produced, processed, imported, exported, constructed, assembled, installed, repaired, serviced, renovated or distributed by you or on your behalf.

What's not covered?

A Business Insurance Package will generally not cover the following:

Incidents or claims known prior to the policy commencing

Business conducted in the USA / Canada unless agreed in writing

Injury to your employees which is workers compensation insurance

Claims arising from a professional services or advice (see Professional Indemnity)

Claims made against directors and officers (see Management Liability)

Claims arising from your digital network / data breach (see Cyber Insurance)

Claims arising from intentional acts

Your business becoming insolvent

To get a quote that provides you with the right cover it's important you speak with a liability insurance expert who can advise you on the type of Product Liability Insurance that is right for you.