Public Liability Insurance Brokers
Public & Products Liability Insurance
When you run a business, accidents happen. A customer trips, a product fails, or property is damaged. Public & Products Liability Insurance protects you from the financial fallout. At AllCover Insurance Brokers, we design liability cover tailored to your industry, with clarity, flexibility, and trust.
Jump Ahead
I want to know…
What Is Public & Products Liability Insurance?
Public Liability Insurance covers claims made by third parties when your business activities accidentally cause bodily injury or property damage. Product Liability Insurance kicks in if a product you make, sell or supply causes harm or damage. Together, Public & Products Liability gives broad protection for the people you interact with and the things you sell.
From slip‑and‑falls to faulty product lawsuits, these liability covers guard your reputation, your cash flow, and your business future.
What’s Covered (and What to Watch Out For)
| Feature / Cover | What This Means for Your Business |
| Third‑party Personal Injury | If a client, visitor or member of the public is injured and sues you—medical costs, legal defence, damages. |
| Third‑party Property Damage | If you accidentally damage someone else’s property while going about business. |
| Product Liability | If something you sell or distribute causes injury or property damage. Includes defects, improper warnings, recall damage etc. |
| Legal Costs & Defence | Covers legal expenses, settlements or court‑fees. Even claims that are defended successfully can cost a lot. |
| Various Cover Limits | Limits like $5m, $10m, $20m depending on industry, exposure. Larger cover required for high risk or high turnover businesses. |
Common Exclusions & Things to Clarify:
- Damage to your own property (covered under property insurance).
- Injury to employees—workers’ compensation generally covers that.
- Professional negligence / advice mistakes (may need Professional Indemnity).
- Intentional acts or unlawful conduct.
- Faulty design or manufacturing where risk was knowingly ignored (depending on policy wording).
Why You Need It & Who Should Get It
Why this cover matters:
- Because legal claims can arise unexpectedly. One accident, one faulty product, one oversight in labeling—and suddenly there are costs, reputational risk, possibly loss of business.
- Many suppliers, venues, councils & clients require proof of Public & Products Liability before doing business.
This cover is ideal for:
- Businesses dealing directly with the public (shops, cafés, retailers, workshops, tradespeople).
- Businesses that use or supply goods or products (manufacturers, importers, retailers).
- Service providers visiting customer properties.
- Anyone who wants to protect their business balance sheet, reputation, and avoid costly legal proceedings.
How AllCover Structures Your Liability Cover
1.
We assess your business activities, products, risk exposure. Understand where accidents or product claims are most likely.
2.
Recommend liability limits that align with your industry & contracts.
3.
Offer options to bundle liability with your Business Package for convenience and potential premium savings.
4.
Explain policy wording clearly: what is covered, how claims are handled, what documentation you need.
5.
Provide ongoing reviews — as your business grows, moves premises, adds product lines – to ensure your liability insurance keeps pace.
Real World Scenarios
- A café owner: a customer slips on a wet floor. You’re protected against claims for medical costs and legal defence.
- A retailer: a toy you sell has a small defect, and a child is injured. Product liability cover handles legal costs and compensation.
- A tradesperson: you spill paint while working in a client’s house, damaging wood flooring. Public liability to the rescue.
How Much Does It Cost?
Cost depends on:
– Your industry (higher risk sectors pay more).
– Limit of cover you choose ($5m, $10m, $20m etc).
– Claims history.
– The size of business, turnover.
– Whether your products/services have inherent risks or require special warnings or safety steps.
At AllCover, we strive to find competitive public & products liability quotes that match your risk profile. We’ll show you options, explain costs, and help you choose what’s appropriate without overpaying.
Get Your Liability Quote
Don’t leave your business exposed to legal risk. Get the liability protection you need.
Call us or request a quote online. Our brokers will listen to your risk, recommend coverage, and help you meet both legal and client requirements.
Is Public Liability Insurance compulsory in Australia?
It isn’t compulsory for all businesses, but many industries and contracts require it.
What’s the difference between Public Liability and Professional Indemnity?
Public Liability covers injury/property damage to third parties. Professional Indemnity covers financial loss caused by negligent advice or services.
Can I combine Liability with other policies?
Yes. It’s often part of a Business Package Insurance, which may include property, equipment, or interruption cover.