Business Insurance for Public / Product Liability

​Simplex Insurance Solutions are specialists in providing
business insurance for public / product liability.

Many business owners worry about how they would start again if they lost their stock, equipment, tools or contents, however, equally as important (and more often than not MORE important) is how would a business recover should they have a claim made against them and they don’t have the appropriate liability cover in place. Public Liability is essential for ALL business operators. If someone should suffer a loss or an injury or even were to allege a loss or injury as a result of your business operations, could you find the money needed to defend yourself in court?

Product Liability Insurance is an important cover that anyone who sells a product should definitely have in place.  It’s not really a type of policy that you can by on it’s own – it comes with all good Public Liability policies.  Should someone decide to sue you because they thought your product caused them to suffer a loss or injury or even worse die (even if it is proven that your products weren’t the cause or a contributing factor) then you will need to have the funds available to defend yourself.

The main difference between public liability and product liability is how they operate in a claim situation.  Public Liability responds should the actions / operations of your business cause someone to suffer a loss or injury – think slips, trips, falls type things or if your display table had fallen at a market and hurt someone.  The Product Liability section of the Insurance policy responds when someone suffers or alleges to have suffered a loss or injury as a result of your actual product – ie. A child choked on a button that was attached to an item.

Our Services Include

  • Insurance Policy Advice
  • Public Liability Insurance
  • Product Liability Insurance

Expert advice at the right price!

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