Public and Product Liability insurance
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What is Public and Product Liability (PPL) insurance?
Public and Product Liability (PPL) insurance is designed to cover businesses against claims for personal injury or property damage to third parties caused by your business activities. For covered claims, it is intended to support legal costs and compensation expenses.
Why do you need Public and Product Liability insurance?
Public and Product Liability insurance is an important business cover for small businesses in Australia. Claims for third party damages to people and property can be crippling if you’re found to be negligent. Public and Product Liability insurance offers a level of coverage for the legal costs associated expenses and compensation you may become liable for.
Many contracts you enter into with a client, and even your commercial lease, may include a requirement for Public and Product Liability insurance.
Why? Because your clients or landlord need reassurance that cover is in place should property be damaged or a person injured.
Third party claims can be costly, and damages can be far-reaching, making Public and Product Liability insurance incredibly important for all businesses. You may damage a client’s property when visiting, or a client may lodge a ‘slip and fall’ claim after a visit to your office. If you’re found to be negligent, your PPL policy can offer insurance coverage.
Explore insurance for your small business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Key features of Public and Product Liability insurance from Zest Insurance
Public and Product Liability insurance from Zest Insurance includes coverage such as*:
Bodily injury claims
Compensation for bodily injury to third parties (such as clients or visitors).
Property damage
Costs incurred due to damage to the property of others.
Legal expenses
Legal fees and court costs associated with personal injury claims or property damage claims covered by the policy.
Medical costs
Reimbursement for medical treatment of injured parties.
Product liability
Claims arising from your products causing harm.
Our Public and Product Liability insurance policies allow you to select the level of cover for your business, providing the flexibility based on your business's potential risks and liabilities, or if a client or customer advises they require you to hold a particular level of cover.
* Please refer to the Zest Insurance policy documentation for full details of cover!
What to consider when deciding on Public and Product Liability insurance
19th June 2025
Public and Product Liability
At Zest Insurance, we understand that running your own business can be full of excitement and challenges. We also appreciate that one of those challenges can be understanding Public and Product Liability insurance! It may feel like you're wading through a sea of complex terms and conditions, but don't worry - we're here to simplify it for you.
Let's dive into the key points you need to know to make sure your business is well-protected.
Understanding these aspects of Public and Product Liability insurance helps you safeguard your small business against potential liabilities and ensures you have the right coverage in place. This way, you can focus more on growing your business and less on worrying about what could go wrong.
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19th June 2025
Public and Product Liability
Running a small business means keeping an eye on many moving parts, from essential equipment to valuable inventory. Protecting and extending the life of these assets is crucial for smooth operations and financial stability. Here are six effective strategies to help you maintain and preserve your business contents.
1. Regular maintenance and upkeep
Regular maintenance is key to extending the life of your business equipment and furnishings. Create a maintenance schedule for all critical assets, including machinery, computers, office furniture, and other equipment. Regular servicing can prevent breakdowns and costly repairs. For example, keep office electronics like printers and computers clean and updated. Lubricate, calibrate, and inspect machinery for wear and tear. Keeping everything in top shape reduces the risk of unexpected failures and extends the lifespan of your assets.
2. Implement suitable storage solutions
How you store your business contents can significantly impact their longevity, so it’s well worth investing in proper storage solutions designed to protect your items from damage. Shelving units, climate-controlled storage rooms, and protective covers can help keep your inventory and equipment in good condition. It goes without saying that you should store perishable goods in appropriate refrigeration units, and keep delicate items in cushioned and stable environments to prevent damage. It’s easy for a busy office to get messy, so proper storage also includes organising your space to avoid clutter, which can lead to accidental damage or misplacement.
3. Train employees on handling procedures
If you have employees, they can play a vital role in maintaining the condition of your business contents. Provide thorough training on the correct handling, operation, and storage of equipment and inventory to prevent unnecessary damage. Post signage near equipment to reinforce instructions about proper usage. Train employees to lift heavy items properly to avoid damage and injury. Ensure they know how to use machinery and tools correctly to prevent misuse that could lead to breakdowns. Regular training sessions and reminders given at team meetings can reinforce these practices, ensuring everyone contributes to preserving assets.
4. Invest in quality equipment and supplies
While it may be tempting to cut costs by purchasing cheaper equipment and supplies, this can lead to higher expenses in the long run due to frequent replacements and repairs. Investing in high-quality items may have a higher upfront cost, but they typically offer better durability and performance. For example, buying a reliable brand of computers for your office can save you from frequent breakdowns and replacements. You may also wish to consider if buying an extended warranty at the time of product purchase is a good option for you. Using high-quality packaging materials can better protect your inventory during storage and transportation, reducing the risk of damage.
5. Monitor and control environmental conditions
Environmental factors such as temperature, humidity, and lighting can affect the longevity of your business contents. Monitor and control these conditions to create an optimal environment for your assets. Excessive humidity can cause corrosion in machinery and mould growth in inventory, while extreme temperatures can damage electronic equipment. Use climate control systems like air conditioning, dehumidifiers, and proper ventilation to maintain a stable environment. Additionally, control lighting to prevent fading and deterioration of items exposed to light over long periods. environment.
6. Hold suitable Business Contents insurance
Even with the best preventive measures, unforeseen events like fire, theft, or natural disasters can occur. Holding Business Contents insurance is essential for protecting your investment and ensuring quick recovery from such incidents. This insurance covers the cost of replacing or repairing damaged or stolen items, helping you avoid significant financial losses. It provides peace of mind, knowing your assets are protected against unexpected events. When choosing a policy, ensure it covers all critical contents of your business and consider specific risks associated with your industry or location.
Protecting and extending the life of your business contents is vital for maintaining smooth operations and financial health. Regular maintenance, proper storage, employee training, investing in quality items, environmental control, and holding Business Contents insurance are essential strategies to safeguard your assets. Implementing these measures helps reduce the risk of damage, minimise costs, and ensure your business continues to thrive.
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Public and Product Liability
Small business owners often assume that cyber criminals target corporate organisations, so you might be surprised to hear that
three quarters of ransomware attacks are directed at small to medium enterprises (SMEs).
With this in mind, let's chat about something of vital importance: covering your business from the financial, operational, and reputational fallout of cyber incidents. Here are six key things you should know about cyber risk and cyber insurance, to keep your business safe from the ever-growing impact of cyberattacks:
1.
By getting a good grasp of these aspects of cyber risk and insurance, you can better shield your small business from the negative impacts of cyber incidents and technology-related risks. Stay safe out there!
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19th June 2025
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of an incident relating to public and product liability
Here are some examples of potential PPL claims that illustrate how easily incidents can impact small businesses**:
Employment agency
A candidate visiting your office for an interview trips on a loose carpet edge and suffers injuries, leading to a claim for medical costs and damages.
Bookkeeper
A delivery person trips and falls over boxes of client files left unattended in your office, leading to injuries and a claim for compensation.
Marketing agency
During a seminar organised by your agency and facilitated in your office, a participant slips on a wet floor near the refreshment area and sustains injuries, resulting in a claim for medical expenses and damages.
Employment agency
Ransomware attack encrypting critical financial data, including client records and payroll information, leading to business interruption and financial losses.
Book Publisher
Unauthorised access to databases containing personal information of models and actors, leading to potential identity theft or unauthorised use of personal data.
Bookkeeper
Data breach exposing sensitive information of clients with disabilities, leading to regulatory fines and lawsuits for violations of privacy laws.
Marketing Consultant
Cyberattack targeting credit reporting databases, resulting in unauthorised access to consumer credit information and potential identity theft.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a PPL insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
Explore insurance for your small business
Search for your business or occupation to view relevant Zest Insurance cover.
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