Public and Product Liability Insurance

Protect your business from costly legal claims with comprehensive Public and Product Liability Insurance from Clarke Lyons Insurance.

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No matter the size or industry, every business that interacts with the public or sells products is exposed to liability risks. A simple accident, customer injury, or faulty product could lead to legal action and financial loss.

At Clarke Lyons Insurance, we help businesses across Australia stay protected with tailored Public and Product Liability Insurance—giving you peace of mind to focus on what you do best.

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What is Public and Product Liability Insurance?

 

Public Liability Insurance protects your business against claims of personal injury or property damage caused to third parties (customers, suppliers, or the general public) as a result of your business operations.

Product Liability Insurance covers your legal liability if a product you manufacture, distribute, or sell causes harm or damage.

Together, these covers ensure you're protected whether an incident happens on your premises, off-site, or due to a product you’ve supplied.

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What Does It Cover?

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✔ Third-Party Injury – A customer slips on your premises and injures themselves.
✔ Property Damage – You accidentally damage a client’s property while carrying out work.
✔ Faulty Products – A product you manufacture or sell causes injury or loss.
✔ Legal Costs – Covers the cost of legal defence, court proceedings, and compensation payouts.
✔ Product Recall (optional) – Covers costs of recalling unsafe or defective products from the market.

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Who Needs Public and Product Liability Insurance?

 

You likely need this cover if you:

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• Have a physical premises open to the public

• Sell products—either manufactured, imported, or retail

• Visit client sites to deliver goods or provide services

• Participate in events, expos, or markets

• Operate in trades, construction, retail, hospitality, health, or manufacturing

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Whether you're a tradie, retailer, consultant, event organiser, or wholesaler, liability insurance is often required by law, landlords, or client contracts.

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Real-World Scenarios

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• A contractor damages a client’s expensive flooring during a fit-out.

• A cafe customer trips over a chair and sustains a serious injury.

• A faulty electronic product sold by your business causes a fire in a customer’s home.

• A market stallholder accidentally spills coffee on a customer’s laptop.

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These incidents happen every day—and without insurance, the costs can be devastating.

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Why Choose Clarke Lyons for Liability Insurance?

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• Tailored Cover – We assess your industry, activities, and risk profile to build the right policy.

• Flexible Limits – Choose from standard or high-limit cover (e.g. $5M, $10M, or $20M) based on your needs.

• Fast, Competitive Quotes – Get covered quickly, with no unnecessary add-ons.

• Trusted Insurers – We partner with leading Australian liability underwriters.

• Support Through Claims – If something goes wrong, we’re here to manage the process and protect your business reputation.

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Combine with Other Key Covers

 

Clarke Lyons can build a full insurance package to protect every aspect of your business. Ask us about:

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• Professional Indemnity Insurance

• Business Interruption Insurance

• Cyber Insurance

• Commercial Property Insurance

• Management Liability Insurance

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Get a Liability Insurance Quote Today

 

Don’t leave your business exposed. Get trusted, affordable Public and Product Liability Insurance with Clarke Lyons.

Call, email or request a free quote online in minutes.

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Clarke Lyons Insurance – Keeping your business safe, compliant, and protected.