Public & Product Liability Insurance
If someone is injured, or their property is damaged, because of your business operations or the products you sell, you could be held legally liable.
Public and product liability insurance covers the costs of investigating, defending and settling claims, and any compensation you are found legally liable to pay. It is not mandatory for most businesses, but we recommend it for every business.
Key covers
Cover depends on the policy and insurer you choose. Some benefits are included automatically, others are available as options.
Personal injury
Damages you are liable to pay if someone is wrongfully injured by your actions or product.
Property damage
Damages you are liable to pay if someone's property is damaged by your actions or product.
Advertising injury
Liability arising from advertising carried out by or on behalf of your business.
Emotional distress or shock
Liability for distress or shock your business causes another person.
Claim costs
The costs of investigating, defending and settling claims.
Compensation
Any compensation you are found legally liable to pay.
Ready to apply?
Download the Liability Insurance Application Form, fill it in on screen and sign it, then email it to salesinsurance@yblgroup.com.au. Not sure what to put? Call Maggie on 03 8538 2699 and we'll help you through it.
PDF · 10 pages · 248 KBAn expert on your team.
We learn your business
We take the time to understand your business and risks, then tailor cover to fit.
We compare options
We seek terms from the insurers we deal with regularly and explain the differences in plain language.
We help when you claim
If something goes wrong, we help you prepare and manage your claim.
Flexible payment
Premium funding is available if you would prefer to pay by instalments.
Related covers
View all insurance →
Talk to us about public & product liability.
Tell Maggie about your business or property and we will recommend cover that fits. Email salesinsurance@yblgroup.com.au.
Any advice on this page is general advice only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide. Cover, benefits and limits vary between insurers and policies and are subject to terms, conditions and exclusions. YBL Insurance Services Pty Ltd (ABN 52 640 800 282) is an Authorised Representative (No. 1281725) of MME Services Pty Ltd (ABN 75 675 435 640), AFSL 559974.