Public and Products Liability
Public and Products Liability Insurance for businesses covers unexpected expenses resulting from an incident connected to your business that leads to injury, death or damage to property. While Public Liability and Products Liability often work together to protect your business, they offer different covers.
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Public Liability protects you against incidents that occur due to your business performing its day-to-day activities. For example, if a customer slips in a puddle at a supermarket, the supermarket will need Public Liability Insurance to be covered financially if the customer decides to sue.
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Products Liability covers you for incidents that occur as a result of your business’ products, often after they’ve been purchased or handed over. For example, if a customer at a supermarket purchased a faulty product that made them sick or injured them, they could make a claim against the supermarket for causing them damage.
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Property Owners Liability covers you for incidents that occur at your property. For example, if a person or property is injured or damaged due to a downpipe dislodges and hits a peron or vehicle.
Who is it for?
All businesses, large or small, should have Public Liability insurance to protect their business from the unforeseen.
Even if you are seemingly not at fault, you are still liable for someone being injured or having their property damaged if it takes place as a result of your business activities.