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Quick Benefits:
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Covers third-party injury and property damage
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Protects you on-site and off-site
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Suits contractors, consultants, and trades
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Meets most legal and contract requirements
Public & Products Liability Insurance
Public & Products Liability Insurance helps protect your business against claims of third-party injury or property damage caused by your operations or products. It’s essential for contractors, consultants, and tradespeople, and often required under contracts or by licensing bodies. If a client trips on-site or your product causes harm, this cover helps manage the legal and financial fallout.
What’s Covered:
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Injury to third parties caused by your business activities
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Damage to someone else’s property
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Legal costs if a claim is made against you
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Product liability for goods you manufacture or supply
What’s Not Covered:
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Employee injuries (covered under Workers Compensation)
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Damage to your own property
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Professional advice or design errors (covered under PI Insurance)
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Fines and penalties
Frequently Asked Questions
Q: Is this mandatory for trades in Australia?
A: It’s not legally required but is often compulsory under contracts or licenses.
A: $5 million is standard, but many choose $10 or $20 million depending on project size.
Q: What’s the minimum cover limit?
Q: Does this cover subcontractors?
A: Only if they’re declared and insured. Independent subs need their own cover.