Liability insurance

Public Liability

Addresses legal liability for covered injury to other people or damage to their property arising from business activities, usually alongside associated defence costs.

Illustrative example

A customer trips over a loose cable in a showroom and alleges the business caused their injury.

Check the wording

Employee injury, professional advice and damage to property in your custody commonly need separate consideration or specific extensions.

Read the detailed Public Liability guide

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Products Liability

Cover section

Addresses legal liability for injury or damage to other property caused by products a business supplies, manufactures or imports, subject to the insured activities and territory.

Illustrative example

An appliance supplied by a retailer overheats and damages a customer's kitchen after purchase.

Check the wording

Replacing the faulty product itself and recalling stock are generally distinct exposures, not automatically covered products liability costs.

Read the detailed Products Liability guide

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Public & Products Liability

Combines liability arising from business operations with liability arising from supplied products, addressing covered third party injury or property damage under a coordinated policy.

Illustrative example

A food business faces separate claims after a visitor falls and a supplied product causes illness.

Check the wording

Check both the per occurrence limit and products aggregate; repeated product claims may share an annual overall limit.

Read the detailed Public & Products Liability guide

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Product Recall

Addresses specified costs of withdrawing unsafe or potentially harmful products from circulation after an insured trigger, potentially including customer notifications, retrieval, disposal and crisis assistance.

Illustrative example

A manufacturer discovers a dangerous component defect and organises retrieval of affected products from distributors.

Check the wording

Replacement products, lost sales and reputational recovery are not automatic inclusions; voluntary commercial withdrawals may fail the insured trigger.

Read the detailed Product Recall guide

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Product Contamination

Addresses defined financial losses when products suffer insured accidental contamination, malicious tampering or another specified safety event, potentially including recall expenses and interruption losses.

Illustrative example

Laboratory testing identifies contamination in a packaged food batch already distributed to retailers nationwide.

Check the wording

The definition of contamination, threat of injury and insured products matter; ordinary quality defects or spoilage may not qualify.

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Completed Operations Liability

Cover section

Addresses covered injury or property damage arising from work after it has been completed, often as part of a public and products liability policy.

Illustrative example

A fitting installed by a contractor later detaches and damages a customer's equipment after handover.

Check the wording

Correcting your defective work is generally different from resulting third party damage; check defect exclusions and the applicable policy period.

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Contractual Liability

Extension

Addresses certain liabilities accepted under contracts when expressly included or approved by the insurer, rather than providing unrestricted insurance for every promise or indemnity signed.

Illustrative example

A supplier asks its insurer to consider a customer's contractual indemnity before agreeing to it.

Check the wording

Liability assumed beyond what would otherwise apply may be excluded; a contract's insurance requirement does not create policy cover.

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Environmental / Pollution Liability

Addresses defined pollution related liabilities and remediation expenses, potentially including third party injury, property damage and clean up at insured sites or arising from operations.

Illustrative example

A storage tank leak contaminates neighbouring land and prompts demands for investigation and remediation.

Check the wording

Known pollution, gradual releases and pre-existing contamination require careful disclosure and wording review; fines are not automatically insured.

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Legal Liability

Specialist arrangement

An umbrella description for insurance addressing specified obligations to compensate others, with the actual protection determined by the occupation, asset, insured conduct and policy wording.

Illustrative example

A property owner faces a claim alleging poor maintenance caused damage to a neighbouring building.

Check the wording

The label alone is not a defined product; identify the precise liability, insured party and applicable defence provisions.

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