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Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. Could you afford to meet the cost of a compensation claim if your business was sued and you didn’t have cover?
Product liability insurance is usually included in your public liability policy and is essential if you sell, supply or deliver products to members of the public.
Product liability insurance covers unexpected and unintended personal injury or property damage arising from products that are manufactured, sold, supplied or distributed by your business
Typically, product liability covers:
Specific areas of cover include:
If your goods are deemed to have caused loss, injuries or damage to land or property then you’re covered.
We also provide solutions to cover product recalls and product contamination. Contact our brokers to discuss your business risks. We will work with you to create a tailored liability insurance package that fits your business.
A fertiliser manufacturer supplied the wrong compost to a horticulturist for a specialised crop. The compost supplied burnt the crop’s young seedlings and the entire crop was lost and with it the year’s projected income. The products liability section of the fertiliser manufacturer’s policy responded favourably to the claim.
Protects your business in the event of claims made by the public in connection with your business' activities.
Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law
Employers liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC
Professional indemnity insurance is designed to cover professionals who provide advice
Directors and officers insurance protects your executives and board from personal financial risk
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Product liability insurance protects against claims of personal injury or property damage caused by a business
Crime and fidelity insurance protect organisations from losses arising from dishonest acts committed by employees
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust
Responds to financial losses suffered by a business, following a business interruption that's a result of a liability insurance claim
Provides cover for costs incurred in legal disputes brought against you, company officers and employers
Internet liability insurance provides specialist protection often not covered in general liability policies