Public & Products (Broadform) Liability Insurance policies provide insurance cover in respect of insured's liability for loss or damage caused negligently to third parties, who are not the insured, as a result of an occurrence in connection with the insured business. It indemnifies the insured business against legal liability to pay compensation in respect of personal injury or property damage claims arising in respect of the Product &/Or Service sold or supplied by the insured, however it does not cover product warranty and is always subject to terms, conditions and exclusions. In addition, these policies also provide cover for defence costs even if the action against you is false or fraudulent, provided that an excluded circumstance does not apply.
| Personal Injury |
Cover includes:
- Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
False arrest, wrongful detention or imprisonment, and malicious prosecution
- Wrongful eviction
- Assault or battery
- Libel, slander, defamation of character or invasion of the right of privacy
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| Property Damage |
Cover includes:
- Physical Damage to tangible property
- The loss of use of tangible property which has not been damaged but cannot be used due to Damage to other tangible property
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Request a Quote from Optimum Insurance Today
To obtain a quotation, you can:
- Call on 1300 739 861 to discuss your enquiry with one of our advisers
- Send an email to service@optimuminsurance.com.au
- Complete the following enquiry form and return by fax, post or email.
Downloads: Public & Products Liability Insurance Questionnaire
We will come back to you with a quotation as soon as possible (in most cases with in 2 - 5 business days). If you would like to discuss your specific needs, please don’t hesitate to Contact Us. In many circumstances we are able to provide an indication over the phone.
Insurers Policy Wordings
Each insurance company has their own policy wording. This means that coverage can vary considerably from one insurer to another. It is important that you compare each policy based on the appropriateness of cover for your individual business needs.