An essential part of any insurance portfolio is Liability Insurance which will protect you and your business against a range of legal liabilities, including personal injury and/or property damage

This includes risks as simple as a client having an accident on your premises to customers suffering injury whilst using your products.

Public Liability Insurance

Personal Injury cover includes:-

• Death, bodily injury, disease, disability and mental anguish
• False arrest, wrongful detention and malicious prosecution
• Libel, slander, defamation of character or invasion to the right of privacy as per the policy

Property Damage includes:-

• Actual physical damage to tangible property,
• The loss of use of tangible property which has not been damaged but cannot be used due to damage to other tangible property.

Product Liability Insurance

If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage. Product liability insurance covers damage or injury caused to third parties.

You may need this insurance even if your company did not manufacture the product because the Australian Trade Practices Act deems an importer as the manufacturer.

Product Recall / Contamination

While most companies recognize the need for product liability coverage to protect their business they may not be aware that a cost of a product recall isn’t covered by standard product liability polices. The cost of a recall can be incurred by the manufacturer and importer right through to the wholesaler, distributor, exporter or retailer. There is no better time than now to consider this class of insurance to protect your business.

The policy includes or can be extended to include:

• Recall Costs
• Business Interruption
• Rehabilitation Costs
• Third-Party Recall Costs
• Extortion Monies
• Consultant Costs

Let us find the ideal coverage for you.