We have provided a brief general description of various covers outlined in this section, this is not intended to constitute or replace personal advice. As always you should read and consider the relevant Product Disclosure Statement to ensure it is suitable for your needs. For personal advice you should contact our office and speak with one of our qualified team.

Public & Products Liability

Public Liability

This section provides protection for claims or lawsuits that may be made against you that alleges legal negligence that has caused either damage to property or personal injury.  Types of actions that may be launched include someone being injured in a slip and fall on your premises, a lawnmowing business where a rock is flicked up by a mower and smashes a window, or animals escaping from a farm onto the road causing an accident.

With public liability it is the policy that is/was in force at the time of the incident that will meet the claim.  For this reason its important to consider the level of cover carefully, as it may be a long period of time, in some cases years,  before you are notified of a potential claim (particularly if the incident involves an injury to a child).  Further once the claim is lodged the court case can also drag on for a number of years before a judgement and settlement is actually handed down.

Products Liability

Similar to Public Liability this section provides protection for claims or lawsuits that may be made against you that alleges your product (or goods sold) has caused property damage or personal injury.  Claims that may arise under this section include food poisoning, failure of a component installed into a vehicle that causes significant damage.

Unlike Public Liability, it is the policy that is in place at the time you are notified of a potential claim that will meet the claim.  You may have installed/sold an item some years ago but only notified of a potential claim today, it is the policy you have in place today that will provide the cover.  For this reason it is important to maintain a level of product liability cover after you sell/close your business.

Both Public an Products Liability covers act as a policy of defence.  This means that as soon as you are notified of a possible claim, your insurer will step in and appoint legal advisers etc and actively defend the claim on your behalf as well as meet any valid claims.
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  • We listen, we act...
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At Austbrokers Southern, we listen, we act and we get the job done!

Austbrokers Southern is the South Coast’s leading Insurance Broker providing insurance for businesses and individuals for over 25 years. Austbrokers Southern, previously known as M and F Agencies is the South Coast's leading insurance broker.

Austbrokers Southern is part of the national Austbrokers Network, established in 1985.

Austbrokers significant growth has been largely achieved through the acquisition of equity in selected insurance broking and financial services businesses that allows individual brokers to retain a significant interest in their own broking business.

Austbrokers Southern will provide you with our individual commitment to always look after you, not only at the time of placing the insurance, but providing full support when you have a claim. This is when your insurance really needs to act.

We are known for our integrity and ethical dealings with our clients, insurance providers and colleagues within the Insurance Industry as a whole.