Products & Public Liability Insurance

Have you ever considered what would happen if a customer had an accident on your premises?

Or whether a product that you have manufactured, sold or supplied has caused an issue to a person? Would you have the resources or the money available to cover your legal advice and any money awarded to that party if they were to sue? Public and Products Liability Insurance protects you and your business against liability for personal injury, or property damage to a third party. This could happen to a customer, a consumer, or someone who is affected in some way by being in the vicinity of your business. The policy does not cover injuries or property damage that you or your employees may suffer, so ensure this is covered separately.

There are several scenarios where a Public and Products Liability Policy can protect your business. If a consumer or customer suffers an injury or illness from a defective product that you have distributed, you could be required to pay damages, even if you didn’t manufacture the product. Also, if your business is responsible for causing damage to someone else’s property or injuring someone, you may also be required to pay.

It’s also possible even if you’re not responsible for the injury or damage occurred, you’ll still need to defend yourself against legal action taken. The legal expenses associated with defending yourself can be exorbitant. And if a court decides you have to pay a settlement, the expense can be extremely damaging to your business.

Why take the risk? Protect yourself today and you could save your business up to millions of dollars. A Product Liability Insurance will pay for legal fees to defend yourself, and if your defence is unsuccessful, pay the money awarded to the person who sued you.

Find out more about Public and Products Liability and give us a call today.