Protecting your business from third-party injury, damage, and legal risk
Every business, regardless of size or industry, faces the potential for third-party claims. Whether someone slips on your premises or a product you sell causes harm, these incidents can lead to costly legal action.
At Network Insurance House, we work with small-to-mid-sized businesses through to large organisations to arrange appropriate Public and Products Liability Insurance solutions.
Public Liability Insurance: Protection against claims arising from your business activities
If your business interacts with clients, customers, or the general public, you could be held legally liable if someone is injured or their property is damaged as a result of your operations.
Public Liability Insurance covers your business against claims for personal injury, property damage, or financial loss suffered by third parties due to your negligence. It also covers associated legal defence costs and compensation awarded to the claimant.
Why Public Liability Insurance matters
Even a minor incident, such as a visitor tripping on your premises or a contractor accidentally damaging property, can result in significant legal and financial consequences. Public Liability Insurance helps protect your business from these unexpected costs and disruptions.
What Does Public Liability Insurance cover?
- Legal liability for injury, death, or property damage caused to third parties.
- Legal defence costs and representation expenses.
- Compensation or settlement payments awarded to affected parties.
- Liability arising from business activities conducted on-site or off-site.
- Optional extensions for hired venues or participation at events and trade shows.
Who Needs Public Liability Insurance?
This cover is essential for:
- Tradespeople, contractors, and service providers.
- Retailers, wholesalers, and hospitality businesses.
- Property owners, landlords, and facility managers.
- Event organisers and public-facing operations.
- Any business that deals directly with clients, customers, or the public.
Products Liability Insurance: Protection against claims related to your products
If your business manufactures, imports, distributes, supplies, or sells products, you could be held responsible if one of those products causes harm, damage, or loss.
Products Liability Insurance provides protection against claims arising from defective, unsafe, or faulty products that result in injury or property damage. It also covers legal costs associated with defending such claims.
Why Products Liability Insurance matters
Under Australian consumer law, businesses have a duty to ensure the safety and reliability of the products they provide. Even with strong quality control, unexpected product faults or misuse can lead to serious claims. Product Liability Insurance helps protect your business from the financial impact of these events.
What does Products Liability Insurance cover?
- Injury, illness, or death caused by a defective or unsafe product.
- Property damage resulting from a product fault or malfunction.
- Legal defence costs, settlements, and compensation payments.
- Product recalls, investigations, or crisis management expenses (optional).
- Liability for products manufactured, imported, distributed, or sold by your business.
Who needs Products Liability Insurance?
This cover is particularly important for:
- Manufacturers, importers, and distributors.
- Wholesalers and retailers.
- Food, beverage, and consumer goods suppliers.
- Trades or service providers supplying components or materials.
How we support you
- We assess your business operations to identify potential liability exposures.
- We arrange the most appropriate level of cover based on your activities and risks.
- We work with a wide range of trusted insurers offering flexible liability solutions.
- We act as your advocate at claim time, ensuring a fair and timely resolution.
What happens if I have a claim
We are your advocate at claims time. We work for you and seek the most appropriate outcome based on your coverage.
- We collect and prepare all claims information with you.
- We liaise directly with the insurer on your behalf.
- We work to secure a fair and timely resolution.
- We reduce stress by managing the process with clarity, confidence, and professionalism.
Protect your business from everyday risks
Whether you interact with the public or supply products to market, Public and Products Liability Insurance provides vital protection for your business. Contact us to discuss a tailored Liability Insurance solution for your organisation.
Frequently Asked Questions
- What is the difference between Public Liability and Products Liability Insurance?
Public Liability Insurance covers claims for injury or property damage caused by your business activities, for example, if a customer slips and falls on your premises.
Products Liability Insurance covers injury or damage caused by a product your business manufactures, supplies, or sells. Many businesses need both to ensure complete protection. - Do I need Liability Insurance if I operate a small business or work from home?
Yes. Even small or home-based businesses can face liability risks, such as clients visiting your home office, off-site work, or supplying products or materials that cause harm.
- Is Liability Insurance legally required?
It’s not mandatory for all industries, but many contracts, landlords, and clients require proof of Liability Insurance before work can begin. It’s also considered essential protection for most business types.
- What types of incidents are commonly covered by Liability Insurance?
Typical claims include injuries to visitors, property damage caused by your work, or harm resulting from a faulty or unsafe product. The policy covers both the cost of defending the claim and any compensation that may be awarded.
- Does Liability Insurance cover my employees?
No. Public and Products Liability Insurance covers third-party claims, not injuries to employees. Workers Compensation Insurance is required separately to cover employee-related injuries.
