When a claim is made against a product of yours, your reputation and finances are at stake. But not every product or business is the same. So it’s important that, when you’re organising your cover, you have someone in the know on your team to make sure you’re protected – that’s where we can help.

Public and Product Liability Insurance covers your legal liability to third parties for personal injury or property damage in the event that you or your business is found negligent. That could be anything from someone slipping on your floor to a product malfunctioning and causing an accident.

With all the different options available, investing in the right level of cover for your Public and Product Liability Insurance can be challenging. You wouldn’t also want to be spending any more than you require for your insurance, or end up choosing a cover that provides little to no value in protecting your business when it needs it the most.

To get tailored Public and Product Liability Insurance quotes for your business, we advise to talk to our specialist Risk Advisers at NRIG. We sit down with you to gain a comprehensive and detailed understanding of your business, which then allows us to narrow down and tailor the most suitable coverage options for you. You’ll receive accurate quotes on insurance covers that provide big value and protects your business.

Public Liability Insurance refers to your business’ duty of care in not causing harm, loss or injury to third parties when they come in contact with your business or have activities carried out by your business.

Product Liability Insurance on the other hand ensures your business’ products result in no harm, loss or injury to third parties.

Public and Product Liability insurance covers the legal costs of defending and settling matters in court as well as compensating third parties for damages, harm, or loss due to your business’ negligence.

Public Liability Insurance can cover events including

• Loss or damage to a third party’s belongings that your business was in custody or control of
• Injury or harm incurred by a third party on your premises that should have been avoided such as a slip or a fall
• Damage to a third party’s property due to negligence

Product Liability Insurance provides cover for situations when products are faulty and cause harm either to the

• Third party themselves and/or
• Third party property

These situations and events can apply to a range of different circumstances. To get a clearer picture of how that will affect your business Public and Product Liability Insurance cover, come and speak with the insurance Risk Advisers at NRIG today.

Together, Public and Product Liability Insurance provides a wide scope of cover for a business. It is one of the most important insurance covers required for a business and provides a safety net for when the unexpected happens.