Products Liability Insurance can cover certain legal liabilities where a product supplied by your business causes third-party personal injury or property damage.

A product can include more than something your business manufactures.

Depending on the policy definition, this can include:

• Products manufactured by your business
• Products sold or distributed
• Imported products
• Rebranded products
• Components supplied
• Items installed
• Products incorporated into completed work

Is Products Liability included with Public Liability? #

Products Liability is commonly arranged together with Public Liability under a combined Public and Products Liability Insurance policy.

However, the two sections should not be assumed to operate in exactly the same way.

Depending on the policy, differences can apply to:

• Coverage triggers
• Limits
• Excesses
• Territorial limits
• Exclusions
• Completed work

Importantly, Products Liability can be written on an occurrence basis or a claims-made basis, depending on the insurer and policy wording.

What if I install products rather than manufacture them? #

Products Liability can still be relevant.

Liability can arise from products or items that your business:

• Installs
• Assembles
• Repairs
• Supplies
• Incorporates into completed work

Whether a particular incident falls within Public Liability or Products Liability depends on the circumstances and policy wording.

Contact our team if you need help confirming how Products Liability operates under your policy.