Protecting Your Business from Third-Party Claims
Every business, regardless of size or industry, faces the risk of causing injury or property damage to others through its operations, products, or services.
Public & Products Liability Insurance provides essential protection against these risks — covering your business for claims where you are legally liable to pay compensation for personal injury, property damage, or advertising liability.
It’s one of the most important forms of business insurance, helping safeguard your company’s financial stability and reputation when the unexpected happens.
What the Policy Covers
Public & Products Liability Insurance protects your business against claims made by third parties (anyone who is not the insured) arising from negligence in connection with your business activities, products, or services.
It provides indemnity for:
This insurance is subject to standard terms, conditions, and exclusions and does not cover product warranty or performance guarantees.
Personal Injury Cover
Protection against claims involving:
Property Damage Cover
Protection for claims involving:
Why It Matters
Even simple day-to-day operations — visiting a client site, manufacturing goods, or providing services — can expose your business to potential liability claims.
Without the right cover, legal defence costs and compensation payments can be financially devastating.
Public & Products Liability Insurance ensures your business can continue operating confidently, knowing you are protected if things go wrong.
Who Should Consider This Cover
Businesses and organisations that may face third-party claims arising from their operations, products, or services.
Trades and Construction Businesses
Businesses exposed to risks through on-site work and operational activities
Manufacturers, Wholesalers, and Importers
Businesses involved in the production, supply, and distribution of goods
Retailers and Distributors
Businesses supplying goods to customers and retail markets
Hospitality, Tourism, and Event Operators
Businesses operating in customer-facing and public environments
Professional and Service-Based Businesses
Service providers and consultants delivering professional services
Any organisation interacting with clients, the public, or supplying goods or services
Businesses exposed to third-party interactions through daily operations
Comprehensive Liability Protection
At Bind Insurance, we help businesses assess their exposure and tailor Broadform Liability Insurance to meet their operational risks and contractual requirements.
We work with trusted insurers to ensure your policy provides strong protection — including cover for defence costs, even if claims are without merit.
Need assistance?
Call 1300 BIND NOW (1300 246 366) or reach out online — we respond promptly.
