Accidents do happen! Every business aims to provide a product or service that leave their customers satisfied and having a positive experience. When things go wrong, you want things handle as quickly as possible to save not only your back pocket but also your reputation.
Public and Products Liability is designed to protect you & your business from costs (including legal expenses) associated with any legal action due to your actual or alleged negligence.
Protects you for claims made against you by third parties (not employees) for personal injury or property damage arising out of a negligent act whilst undertaking your business activities
Examples of possible Public Liability Claims
A customer slips, trips or falls within your business premises and injures themselves
A member of the public is injured by a falling object walking past a construction site
You accidently damage a client's property whilst working on their site
If you sell, supply or deliver products you may be held responsible for injury or damage those products cause. Note: if you are importing you are deemed the manufacturer.
Examples of possible Products Liability Claims
Injury is caused because a component of your product is imported & did not meet required safety standards
Contaminated food you supplied causes illness
An error during manufacturing has produces a faulty product and a consumer is injured
Most Public & Products Liability insurance policies include liability cover for damage to property under your physical and legal control.