Activities
Disclose every material service, work method, site type and new line of business.
COMMERCIAL INSURANCE SOLUTION
Public & products liability insurance
Liability cover should follow the work you actually perform, the products you supply and the contracts you accept. We help businesses present those exposures clearly to insurers.
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WHO IT MAY SUIT
Contractors, trades, manufacturers, importers, wholesalers, property owners and service businesses.
Public liability generally concerns third-party personal injury or property damage allegations connected with business activities. Products liability concerns goods supplied, sold, repaired or distributed, subject to the policy wording.
WHAT WE REVIEW
- 01Complete business activity description
- 02Turnover and geographic split
- 03Employees, labour hire and subcontractors
- 04Products, imports and exports
- 05Work at height or hazardous locations
- 06Contracts, principal requirements and claims
PRACTICAL COVER REVIEW
The occupation description must match the real operation.
A broad label such as contractor, consultant or wholesaler rarely tells the whole story. Insurers need the activities, customers, products and higher-hazard work explained accurately.
Products
Explain manufacture, import, branding, installation, export destinations and quality controls.
Contracts
Review required limits, waivers, indemnities and assumptions before agreeing to them.
WHY THE DETAILS MATTER
Small operational details can materially change liability terms.
Subcontractors and labour hire
Payments, work types, licences, insurance checks and worker-to-worker exposures can affect appetite, premium, excesses and conditions.
Property in care, custody or control
Standard cover may restrict damage to property being worked on, stored, transported or otherwise controlled. The relevant extension and limit should be checked.
Products and completed work
Your exposure can continue after work is finished or a product leaves your premises. Importers and own-brand suppliers may be treated differently from ordinary retailers.
Geographic and contractual exposure
Work or sales in the United States or Canada, exports, hold-harmless clauses and contractual liability can require special underwriting and may attract separate exclusions or excesses.
Cover is subject to insurer acceptance, the policy schedule, applicable policy wording or Product Disclosure Statement, limits, conditions and exclusions. This information is general and does not take into account your objectives, financial situation or needs.
COMMON QUESTIONS
Questions about public & products liability insurance.
These answers are general. The quotation, schedule and policy wording determine the cover offered.
What is the difference between public and products liability?
Public liability generally relates to third-party injury or property damage arising from business activities. Products liability relates to goods supplied, sold, repaired or distributed. Both remain subject to policy terms.
Are subcontractors automatically covered?
Not necessarily. The policy may cover your liability arising from subcontracted work without insuring the subcontractor itself. Disclosure, insurance checks and conditions matter.
Does liability insurance cover faulty workmanship?
It is not a workmanship guarantee. Some resulting third-party damage may be considered, while the cost of correcting defective work is commonly restricted or excluded.
How much liability cover is required?
Contracts, landlords, principals and industry arrangements may specify a limit. The appropriate amount also depends on the size and nature of the exposure.
CONNECTED COVER
Look beyond one policy.
We consider how this cover interacts with the rest of your insurance program.
A CONSIDERED REVIEW
Make the insurer understand the full operation.
We can review your activities, contracts, subcontractors, products and claims history, then approach insurers suited to the risk.
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