Public Liability Insurance helps safeguard your business against claims for personal injury or property damage made by third parties as a result of your business operations.
Essential protection for every business operation
If a customer slips and injures themselves on your premises or their property is damaged during your service, they may seek legal action to recover their loss.
This insurance covers both legal defence costs and compensation payouts, even if the court rules that you’re not at fault.
While you can easily get a quote and purchase Public Liability Insurance online, it’s essential to understand the coverage and how it specifically applies to your business. At ADK Insurance Brokers we have the industry expertise which can help ensure you select the best policy to meet your needs.
What is Product Liability Insurance?
Product Liability Insurance is designed for businesses involved in the production, supply, or sale of products. It protects against claims for personal injury or property damage caused by a product you have sold or supplied.
For example, if a product you sold causes injury to a customer or damages their property, they may pursue legal action to recover their loss. Product Liability Insurance can help safeguard your business from these claims, including legal defence costs.
This type of coverage is typically included as part of a Public Liability policy.
Cover at a glance
Protection against injury or damage caused by products you make, sell, or supply
Cover for legal defense costs, settlements, and compensation
Protection from claims due to product faults, contamination, or labelling errors
Assistance with recalls, investigations, and regulatory compliance
Optional extensions for imported or white-labelled goods
Tailored policies for product suppliers across all industries
Who needs it?
Any business involved in the production, supply, or sale of products should consider Product Liability Insurance. Claims related to product defects or faults can be costly, even if you are not at fault. This coverage can help mitigate the financial impact of legal fees and compensation payouts, allowing you to confidently conduct business without fear of unexpected claims.
Who Should Consider It?
This insurance is highly recommended for:
Retailers & Wholesalers
Selling goods to the public, whether online or in-store
Manufacturers & Importers
Responsible for product safety and performance
Tradespeople & Contractors
Working on client sites or handling installations
Hospitality & Events Businesses
Hosting guests or serving food and drinks
Health & Beauty Professionals
Offering treatments or using products on clients
Property Owners & Managers
Responsible for public access areas like lobbies or car parks
