Product Liability Insurance
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What is Product Liability Insurance?
Product Liability insurance covers third-party injury and property damage claims caused by products sold or supplied by your business. It’s typically included as part of a Public Liability policy.
If you produce, supply, or sell products, then Product Liability could help protect your business. A policy covers legal fees and compensation if a customer, client, or member of the public is harmed by the products you provide.
What does Product Liability insurance cover?
Product Liability helps protect small businesses if the products they make or sell cause a financial loss for a member of the public
Faults in the manufacturing or production of a product
Defective warnings, instructions or labelling of the product
Defects in the design of the product
- Claims of injury to you or your employees
- Damage made by you or your employees to your business
- Professional services or advice
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Who needs Product Liability insurance?
In Australia, if you sell, give away, or import products, you’re responsible for ensuring they’re safe and meet requirements by the Australian Consumer Law. Businesses that produce, supply, or sell products should consider Product Liability insurance, including those in industries such as:
- Cabinet Makers
- Electronic Goods
- Clothing Manufacturing
- Fabricated Metal Products
- Welding Services
- Processed Food
- Candle Manufacturing
- Jewellery Manufacturing
- Convenience Stores
- Supermarkets
- Butchers
- Markets & Stalls
- Clothing Retailers
- Gift Shops
- Bakers
- Florists
- Cafes
- Restaurants
- Takeaway Shops
- Food Trucks
- Catering
- Bed and Breakfast Operations
- Hotel Operations
- Sporting Clubs & Associations
Am I liable for the products I manufacture or sell?
Generally speaking, yes. In Australia, businesses can be held liable for the products they sell or manufacture (even if you didn’t make them yourself). Under Australian Consumer Law, this includes cases where you design, import, assemble, or rebrand products that you provide to the public.
How much does Product Liability insurance cost?
Product Liability insurance costs can vary based on your business’ location, type of products, supply chain and other factors. Every business is unique, and so is the type and cost of its policy.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Type of product manufactured or sold
Volume of product
Business size
Safety testing and quality control
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Type of product manufactured or sold
Volume of product
Business size
Safety testing and quality control
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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How To Make a Claim Online
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3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
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Love it! Quick, simple, yet professional
P Soloviev
Some of the best service I have had over the phone.
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Frequently asked questions
Product Liability insurance is designed to cover any compensation payable to a third party, and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs).
Generally speaking, yes. Product Liability insurance generally covers businesses that sell imported goods.
Product Liability and Public Liability insurance both cover third-party injury and property damage claims. The difference between the policies is how these injuries or damage are caused.
Product Liability insurance protects your business against claims by third parties relating to property damage or personal injury caused by your products. Public Liability insurance covers third-party claims that your negligent business activities caused them injury or property damage.
Product Liability insurance is included in most Public Liability insurance policies.
No. BizCover does not offer standalone Product Liability cover. It can only be purchased as part of a Public Liability policy.
Occurrence-based policies are designed to cover incidents that occur during the policy period, regardless of when a claim is made. With an occurrence-based policy, you can usually make a claim even after the policy has been cancelled, as long as the incident that caused the claim happened when the policy was active. Product Liability policies are generally occurrence-based.
BizCover emails a Certificate of Currency and policy wording immediately after you purchase your policy. You can also download a Certificate of Currency at any time through our customer portal.
Real-life customer reviews verified by Feefo