Public and Product Liability Insurance

As a business, you have a duty to your customers, staff and the public – and it doesn’t end after the sale. Once your products are sold, they’re out in the world and beyond your control. That’s why it’s important to protect yourself and your business with the right Public and Product Liability Insurance, which provides financial assistance in claims of damage or injury that may arise from your products.

How Can You Ensure Your Business is Protected?

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.

What is Public and Product Liability Insurance cover?

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.

Public and Product Liability Insurance Quotes

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.

What is Public Liability Insurance Cover?

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.

What is Product Liability Insurance Cover?

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

What is Covered by Public and Product Liability Insurance?

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.

Public and Product Liability Insurance for Business

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.


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NRIG is a licenced trading name of Adroit Insurance and Risk Pty Ltd ABN 75 078 972 700 (Adroit). Adroit has been appointed by Insurance Advisernet Australia Pty Limited ABN15 003 886 687 (IA) to recruit authorised representatives for IA and supervise and manage those authorised representatives. While Adroit holds an AFSL, Adroit and those individuals will not be providing any financial services to you. IA will be the licensee providing financial services to you and IA will be responsible for those financial services. IA will pay Adroit fees for the services it provides to IA.
This website contains general information only and may not suit your particular circumstances. To decide if a policy is right for you please carefully read the relevant Product Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by contacting our office on (03) 5331 8317.
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