Insurance + Risk Services

Public and Products Liability Insurance is designed to protect you and your business against the significant costs associated with actual or alleged negligence that has resulted in third party property damage in the course of carrying out your business activities, or personal injury that has occurred through your products.

Public and Products Liability is considered to be one of the most essential insurance covers for all businesses.

As an Engineer, you have a duty of care to uphold to your clients, your employees as well as the general public. Legal costs and court ordered compensation payments to claimants can be substantial and potentially damaging to the financial position of your business if you are deemed negligent – even without intent.

EngInsure advisers can work to alleviate this risk for your business with a quality Public Liability Insurance policy.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer specific policy wording for inclusions, exclusions, terms and conditions.

Covered features

Defence Costs

Cover for legal defence costs as well as any compensation payments ordered.

Third Party Property Damage & Personal Injury

Protection for liability incurred as a consequence of your negligence - actual or alleged, that has caused third party property damage or personal injury.

Care, Custody & Control

Coverage can include damage to a third party’s goods held in your Care, Custody and Control.

Definition of Insured

Policies generally encompass a broad definition of the ‘insured’ to protect directors, owners, employees and volunteers whilst carrying out business activities on behalf of the ‘Insured’.

Territorial Limits

Policy provides coverage Australia-wide, but can often be extended to a worldwide scope (excluding North America).

Potential to Extend Cover

Public Liability cover can be extended to include errors & omissions, statutory liability, product recall expenses & environmental risks.