Public and Product Liability Insurance

Public and Product Liability Insurance is a type of business insurance that provides protection against third-party claims for property damage, bodily injury, or financial losses arising from your business operations, products, or services. This insurance coverage is designed to safeguard your business against unforeseen events that could lead to legal and financial repercussions.

Our years of experience and vast network of contacts allow us to source the broadest coverage and most competitive deals on public and product liability policies.

The Key Benefits of Public and Product Liability Insurance

1. Legal Protection

Business operations can sometimes result in accidents, injuries, or property damage to third parties. In such cases, liability insurance provides legal protection by covering the cost of defending your business in court.

2. Financial Security

One of the primary benefits of liability insurance is its ability to provide financial security. It covers the costs associated with compensating third parties for injuries, medical expenses, property damage, or financial losses caused by your business activities. This financial safety net prevents your business from suffering severe financial setbacks or bankruptcy in the event of a costly liability claim.

3. Peace of Mind

Knowing that you have liability insurance in place can give you peace of mind, allowing you to focus on running your business without the constant worry of unforeseen accidents or lawsuits.

The Difference Between Public Liability and Product Liability Insurance

Public and Product Liability Insurance are vital components of a comprehensive risk management strategy for businesses. While both forms of insurance fall under the umbrella of liability coverage, they serve distinct purposes.

Public Liability Insurance

Public Liability provides businesses with protection against claims made by third parties, such as customers, visitors, or passersby, for injuries or property damage that occur on the business premises or as a result of its operations. It covers legal expenses and compensation costs, offering financial security and peace of mind in case accidents or mishaps lead to liability claims.

Product Liability Insurance

On the other hand, Product Liability insurance specifically addresses the risks associated with the products a business manufactures, distributes, or sells. It covers legal expenses and compensation for injuries, property damage, or financial losses resulting from product defects or failures. This coverage is essential for businesses involved in the production or sale of goods, safeguarding them from costly lawsuits related to their products' safety and performance.

Who Can Benefit from Public and Product Liability Insurance?

Public and Product Liability Insurance is not confined to a specific industry or business size; rather, it is a versatile safeguard that can benefit a wide range of businesses. Whether you run a small retail store, a manufacturing company, a service-oriented business, or operate within the hospitality sector, this insurance coverage offers vital protection.

Here are some of the main industries that often find this type of insurance to be particularly relevant:


Businesses in the retail sector, including shops, boutiques, supermarkets, and online retailers, can benefit from public liability insurance to protect against slip-and-fall accidents and other customer-related claims.


Manufacturers, whether they produce consumer goods or industrial equipment, should have product liability insurance to shield themselves from claims related to defective products that may cause harm or property damage.

insurance for hospitality industry

Restaurants, hotels, bars, and catering services can face liability claims from customers who suffer injuries or illnesses on their premises or due to food-related issues, making this insurance crucial.

Professional Services

Lawyers, consultants, architects, and other professional service providers can benefit from this insurance to cover potential errors or omissions in their work.

Trade & Construction

Trade businesses, construction companies and contractors should carry public liability insurance to cover accidents at worksites that may cause injuries or property damage to third parties.

Get Your Liability Insurance Quote Today

At Midland, we understand that each business is unique. Our experienced brokers work closely with you to tailor a Public and Product Liability Insurance policy that fits your specific needs and budget.

Don't leave your business exposed to potential risks. Contact us today to learn more about how Public and Product Liability Insurance can safeguard your business and provide you with the peace of mind you deserve.

Either fill out the 'Request A Quote' form on this page and one of our brokers will be in touch, or give us a call on 1300 306 571.

Request A Quote

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