Public and Products Liability
What does Public and Products Liability cover?
Public Liability
Public Liability insurance protects businesses against legal liability for third-party personal injury or property damage arising from their business activities or premises.
Products Liability
Product Liability insurance protects businesses against legal liability for personal injury or property damage caused by products they manufacture, supply, or distribute.
Built for your industry
• Food & beverage manufacturing (incl. breweries, wineries, distilleries)
• Light/general manufacturing
• Plastics manufacturing (non-hazardous)
• Textiles & clothing
• Non-invasive medical/scientific equipment
• Supplements & vitamins (non-pharmaceutical)
• Furniture & consumer goods (non-critical)
• Importers & exporters (non-hazardous goods)
• Wholesalers & distributors
• Retail chains & SME retailers
• Promotional products & consumer merchandise
• Commercial property owners
• SME property owners
• Property managers
• Real estate operations
• Vacant land (non-industrial)
• Engineers (civil, structural, mechanical)
• Electricians
• Diesel mechanics
• Light engineering & fabrication
• Maintenance & service contractors
• Machinery & equipment servicing
• Consultants (management, HR, IT)
• Professional services (lawyers, accountants, banks)
• Advertising, media & marketing
• Training & education
• Recruitment
• Transport companies
• Freight forwarders
• Distribution risks
What does Management Liability cover?
Directors & Officers
Broad cover for costs associated with defending directors, managers and employees against claims arising from their actions and decisions.
Company Liability
Covers the company for claims and investigations arising from alleged wrongful actions including breach of contract defence costs and crisis management costs.
Employment Practices Liability
Protects the business from claims for wrongful dismissal or discrimination by past and present employees, customers or suppliers.
Statutory Liability
Protecting both individuals and the entity against fines and pecuniary penalties.
Crime Protection
Protecting the balance sheet from fraudulent or dishonest activities carried out by employees or outside third parties.