Public liability
Discuss visitors, customer sites and work affecting other people or property.
BUSINESS & PROFESSIONAL
Public & product liability. Explained.
Understand claims involving injury, property damage and the products your business makes or supplies.
Start with what you need covered.
Public liability concerns claims from third parties for injury or property damage associated with business activities. Product liability concerns products made, sold or supplied. These should be discussed separately from employee injury and financial loss caused by professional advice.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Product liability
Discuss manufacturing, importing, selling and supplying physical products.
Combined package
Check how shared limits, exclusions and the business description operate.
BEFORE YOU CHOOSE
Four conversations worth having.
Work description
Are installation, subcontracting and all products accurately described?
Territories
Where can products be sold and where can a claim be brought?
Limits and defence
Are legal defence costs within or additional to the limit?
Contract requirements
Does the policy meet the insurance terms of venues and customer contracts?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
See how cover connects.
All insurance ↗Professional indemnity
Compare the professional work insured, claim timing and the terms that remain important after a project ends.
Explore cover ↗Business insurance
Build a cover plan around your work, people, premises and customers instead of a generic business label.
Explore cover ↗Employers’ liability
Understand employee injury cover, the people who need to be considered and the records to keep.
Explore cover ↗