Product Liability Insurance
Over 6,000 Occupations Covered
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What is Product Liability Insurance?
Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word ‘product’ will be a defined term in the policy wording.
What does Product Liability insurance cover?
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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3 industries who purchase Product Liability most:
- 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
Product Liability is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Product Liability insurance cost?
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
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 cover you, 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 cover you, 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 it works – buying online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
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 while purchasing 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.
Hear from our customers
Real-life customer reviews verified by Feefo
Very nice customer service
V Nemeth
Quick and easy cover. Done online in around 10 minutes!
J Barnett
Quick and easy, Took the hassle out of shopping around and comparing
A Tempany
Excellent and fast service
S Brown
Love it! Quick, simple, yet professional
P Soloviev
Some of the best service I have had over the phone.
S Handley
Very easy to navigate and fully covered in less than 5 minutes!
Y Matsuura
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).
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. If a product causes injury, illness, death, or property damage, your business could be held liable—even if you didn’t make it. This includes cases where you import, assemble, rebrand, or present yourself as the manufacturer.
Real-life customer reviews verified by Feefo