Public and Products Liability Insurance 
at a glance
What is Public Liability Insurance?
If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs. Public liability insurance can help to protect your business from the financial risk of liability claims – giving you the certainty you need to trade with confidence.
What is Products Liabiltiy Insurance?
No matter how stringent your company is, mistakes can happen. For example, you may design or sell a product that causes a customer harm. Even if you’re not at fault, you could risk serious financial damage through legal and court costs if a customer decides to sue you. Product Liability insurance is designed to help protect your business if you’re sued because a product you sell, assemble or supply has caused harm to a person or property.
Did you know Public and Products Liability can cover:
Personal Injury: If somebody is wrongfully injured by your actions or your product, public liability and products liability insurance can cover you for your liability to pay damages tothe claimant.
Property Damage: If property is damaged due to your actions or your product, public liability and products liability insurance can cover you for your liabilty to pay damages to the claimant.
Who should consider it?
While Public and Product Liability insurance isn’t mandatory for most businesses, it is recommended for all companies. That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being sued can be extraordinarily high.
Public & Products Liability Insurance with Westlawn Insurance Brokers
What can it cover?
Public and Products liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by your business. It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay.
Why Choose Westlawn Insurance Brokers for Public & Products Liability Insurance?
Expert Advice
Our team offers professional guidance and clear explanations to help you make informed choices about your Public and Products Liability insurance
Tailored Solutions
We assess your unique business needs to provide customised policies.
Bespoke Negotiations
We partner with leading insurers to deliver policies that cover a wide range of exposures.
Proactive Support
We take pride in building and maintaining strong, ongoing relationships with our clients.
Claim Management
We manage the claim process to minimise stress and help you secure the best possible outcome.
How does it work?
Case Study
Our Expertise in Public & Products Liability Insurance
Westlawn Insurance Brokers is your partner in navigating the complex world of Public and Products Liability insurance. Our expertise in this area is deeply rooted in an understanding of the unique challenges faced by businesses in Australia. Our team’s key role is to help you understand the risks your business faces. We can help you idenitify potential hazards that could lead to claims, whether it’s the possibility of a customer injuring themselves on your premises or the chance that one of your products might cause harm. By thoroughly assessing your business operations, our team ensures that you have the right level of protection in place to mitigate these risks.
Public and Products Liabilty insurance is an essential part of protecting your business, but choosing the right policy can be daunting. The expertise of Westlawn Insurance Broker’s team can help guide you through the complexities of Liability insurance, ensuring you make informed decisions that best protect your business and its assets. With our team by your side, you can feel confident that your business is properly covered against the unexpected.
We are well-versed in the various types of policies available and understand the complexities of the Australian insurance market.
Whether you're a manufacturer, retailer, service provider, or other type of business we can tailor your cover to protect against the risks most relevant to you.
Every business is different, and a one-size fits all approach to insurance can leave you vulnerable. We will assess your specific needs to provide you with the most comprehensive coverage.
Our longstanding relationships with insurers means we can access a wide range of coverage options to find the best Public and Products liability solution to protect your business.
Here at Westlawn,
We Make Public and Products Liability Insurance Easy!
Initial Contact and Data Gathering
The journey to finding the right solution starts with understanding your needs. During the initial contact, our friendly and knowledgeable team will take the time to discuss your unique circumstances and goals. We’ll gather essential information about your assets, risks and coverage preferences to build a clear picture of your requirements. This thorough data-gathering process ensures we can identify the best policies to protect what matters most to you. At every step, we prioritise open communication and a hassle-free experience, setting the foundation for tailored insurance solutions.
Risk Assessment
At the heart of Westlawn Insurance Broker’s insurance services, is a thorough risk assessment process. Our team of experts evaluates the potential risks you face, taking into account your unique circumstances, industry trends, and any specific challenges associated with your assets or operations. By identifying potential vulnerabilities and understanding your risk profile, we can recommend tailored insurance solutions that provide the right level of protection. This proactive approach not only ensures comprehensive coverage but also helps to minimise exposures, giving you peace of mind knowing you’re well- prepared for the unexpected.
Customisation and Options
Based on the gathered information and risk assessment, Westlawn Insurance Broker’s team create a customised insurance package that addresses your specific needs. We present a range of insurance options and add-ons that could enhance coverage. This may include various types of insurance like Cyber Threat, Management Liability insurance, and Business Interruption insurance, among others.
Quote Presentation
Westlawn Insurance Brokers prepare and present a detailed quote outlining the coverage options, premiums and any recommendations for review and acceptance. Our team is available to answer any questions and to modify the quote based on additional requirements or adjustments.
Finalisation and Documentation
Once your are happy with the quote and ready to move forward, we’ll guide you through the final step of formalising the insurance contract. This process includes providing any additional documentation we may need, or we will provide payment options such as Premium Funding. Once everything is in order we will deliver the policy documents and Certificates of Currency from your insurer.
Our Strategic Partners
Frequently Asked Questions
Understanding Coverage
It covers damage to your home structure from incidents like fire, storm, or burglary, and loss or damage to personal belongings within the house, including furniture, electronics, and personal items.
Yes, typical exclusions include general wear and tear, damage due to neglect, or intentional damage. Certain natural disasters may also be excluded, depending on the policy.
Home offices are usually covered, but it’s important to specify the nature of the items (like office equipment) to ensure adequate coverage.
Yes, most policies provide coverage for temporary living expenses if your home is uninhabitable due to an insured event.
Policy Details and Options
Absolutely. You can decide the sum insured for both your home and contents, but it’s essential to ensure it accurately reflects the replacement value to avoid underinsurance.
You can update your policy at any time by contacting us. It’s advisable to review and update your policy regularly, especially after significant purchases or changes to your home.
Yes, we offer various discounts, including multi-policy discounts, loyalty discounts, and reduced rates for increased security measures at your home.
Factors include the location of your home, its construction materials, security features, the total value of contents, and your insurance history, among others.
Claims and Support
To file a claim, contact us immediately after an incident. Provide detailed information and any relevant documentation to support your claim.
Typically, you’ll need proof of ownership and value of the claimed items, such as receipts or valuation certificates, and any evidence of the damage or loss.
The processing time varies but we strive to handle claims efficiently. We’ll keep you informed throughout the process.
Yes, you can choose your repairer, although we can also recommend accredited professionals if needed.
Special Circumstances and Add-Ons
Yes, most policies cover events like storms and bushfires, but it’s important to check your policy for specific inclusions and exclusions.
High-value items can be covered, but they may need to be listed separately in your policy to ensure full coverage.
Some policies offer an ‘away from home’ cover for items you take outside, like laptops or cameras, but there may be limits on coverage.
Yes, accidental damage can be added as an extra to provide broader coverage for incidents like spills or breakages inside your home.
