Cover for third-party injury and property damage claims arising from your business activities or the products you supply.
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Running solo or managing a small business? If you interact with customers or supply products, this cover is for you.
We protect your business against claims arising from third-party bodily injury or property damage caused by your business activities or the products you supply.
If a customer, supplier or member of the public is injured from your business activities or products.
If you accidentally damage someone else’s property while operating your business.
If a product you manufacture, sell or distribute causes injury or property damage.
Claims arising from accidents at your workplace, store or event location.
Liability arising while performing work at a client’s premises or job site.
Costs associated with investigating, defending or settling covered claims.
Like all insurance policies, Public & Product Liability (PL) Insurance includes exclusions. Your cover depends on the terms, conditions and limitations outlined in your policy wording.
Injury to your employees (covered under Workers’ Compensation)
Damage to your own property or equipment
Claims arising from professional advice or service
Product recall or replacement costs
Known incidents before the policy start date
Deliberate, fraudulent or criminal acts
Contractual liabilities beyond common law obligations
Fines, penalties or punitive damages
Strengthen your protection by combining Public & Product Liability (PL) cover with other key business insurance options.
Cover for claims arising from alleged errors or omissions in your professional advice or service.
Offers income support if you’re unable to work due to illness or injury for a period of time.
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Provides cover for costs and losses resulting from cyber incidents or data breaches.
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Sami offers Public & Product Liability cover from $3* per week (approximately $150* per year). The premium may vary depending on your business activities, turnover, products supplied and selected cover limit, so pricing reflects your business profile and protection required.
Higher-risk industries or public-facing operations may increase premiums due to greater risk exposure.
Greater revenue can indicate broader operations, which may affect pricing.
The cover limit you select ($5M, $10M, $20M) directly influences the cost of your policy.
The type of products you manufacture or supply can influence your risk exposure and premium calculation.
“We price cover based on the way your business operates, not a flat standard rate.”
Receive a quick quote, get covered and make a claim - all digitally through our online platform.
Need proof of cover for your clients or customers? We issue and email your Certificate of Currency (CoC) as soon as your cover starts. No delays chasing paperwork!
Real-time quick quote. Instant proof. Done in minutes.
Trying to figure out which insurance is the best fit for your business? Here’s a simple explanation of what Public & Product Liability and Professional Indemnity Insurance respond to.
Covers claims involving physical injury or property damage caused by your business activities or products.
Third-party bodily injury
Accidental damage to client property
Incidents at your workplace or job site involving third parties
Injury or damage caused by products you supply
Protects against claims for financial loss arising from your professional advice or service.
Errors or omissions in your work
Breach of professional duty
Intellectual property infringement
Alleged negligence in your advice
Every business carries multiple risks, and one policy alone is rarely enough to address them all.
Claims arising from professional advice are very different from those involving third-party injury or property damage. Holding only one type of cover can leave gaps you may not anticipate.
For this reason, many businesses choose to hold both, as it provides protection across different operational and advisory risks.
Because protecting your business shouldn’t be complicated. Our Public & Product Liability cover is tailored to your business, quoted online in real time, with immediate proof of cover.
Everything you need to know about Public and Product Liability cover, eligibility and claims.
Practical guides and insights to help you understand Public & Product Liability (PL) requirements, manage risk and respond to claims with clarity.
When you take out an insurance policy, you need to do some thinking about what is important to you, and how much you are willing to put aside to protect those things if you were faced with their loss.
The key role of insurance is to help people financially protect themselves against life's uncertainties, such as natural disasters, a car accident or an illness while on holidays.
