Product Liability Insurance
Product Liability Insurance
If your business manufactures, imports, distributes, or sells products—you can be held legally liable for any harm those products cause. Angelic Insurance’s Product Liability Insurance protects your business from claims of injury, property damage, or death resulting from your products, whether the issue stems from a defect, malfunction, contamination, or design fault.
This coverage is essential for Australian product businesses, especially with strict liability laws that often don’t require the injured party to prove fault—only that your product caused the harm. Our policies are crafted with precision to suit industries from food and beverage to construction, industrial goods, technology, medical devices, and consumer retail.
How It Works
Here’s how Angelic Insurance delivers protection:
Risk Profiling
We assess your industry, product type, distribution method, and export markets.
Custom Policy Design
Tailored limits, extensions, and cover territory based on your exposure.
Coverage Activation
You’re protected as soon as your policy is active—even for products already sold.
Claim Support
If a product causes harm or damage, Angelic manages the legal defence, compensation, and reputation strategy.
Why You Need It?
Even with the best quality control, you can't control how your product is used—or how it fails.
Common product-related risks include:
Overheating appliances causing house fires
Food contamination causing illness
Children’s toys with choking hazards
Faulty electrical components causing shock
Defective mechanical parts causing injury In Australia, strict liability laws mean you can be held liable even if you didn’t manufacture the product yourself—especially if you import. With Angelic Insurance, you’re protected from the financial fallout.
How Angelic Insurance Can Help?
Angelic Insurance goes far beyond the basics. We specialise in helping product-based businesses thrive, with:
Coverage for manufacturers, importers, and online sellers
Support for local and international distribution
Fast certification for retailer and distributor partnerships
Optional cover for product recall and liability after sale
Legal support in the event of claims, regulator action, or class actions
Multi-policy bundling with Public Liability, Cyber, and Professional Indemnity From handmade cosmetics to high-volume industrial goods—Angelic Insurance helps you sell with confidence.
Challenges Businesses Face Without Product Liability Insurance
Injury Lawsuits from Defective Products: Protects your balance sheet and reputation if your product injures someone.
Faulty Batches or Recalls: Optional extensions can reimburse you for recall costs and reputational damage.
Supply Chain Vulnerability: If a third-party component fails, you could still be liable.
International Compliance: Exporting? You may need enhanced cover, especially for U.S. and EU markets.
Case Studies: How Product Liability Insurance Helped Real Businesses
Skincare Brand Faces Reaction Claims
A beauty brand selling organic moisturiser through online and retail channels faced three claims of allergic reactions. Angelic Insurance provided: Legal defence for all claims $32,000 in compensation and settlements PR advisory to manage media and customer communication 📝 Result: Brand reputation remained strong, and the client retained retail contracts.
Electrical Supplier Sued for Property Damage
A faulty charger overheated and caused a fire in a customer's home. Angelic Insurance paid for: $75,000 in property damage $18,000 in legal fees Retailer indemnity after they tried to pass liability onto the supplier 📝 Result: Business preserved, all contracts maintained, and lessons implemented.
Frequently Asked Questions
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