Product Liability Insurance
Product Liability Insurance
Product Liability Insurance protects businesses that manufacture, sell, distribute, or supply physical goods against legal claims arising from product-related injury, illness, or property damage. If your product causes harm or loss, you may be held legally liable even if the product was made by a third party.
This insurance covers legal defence costs, court-awarded damages, settlements, and associated expenses. It applies to a wide range of industries, including food and beverage, cosmetics, electronics, household goods, clothing, and industrial equipment.
At Angelic Insurance, we help Australian businesses compare product liability insurance from leading insurers. Our authorised brokers provide general advice to help ensure your products and your business are protected if something goes wrong.
How It Works
We help you arrange product liability cover quickly and clearly, so you can trade with confidence both in Australia and internationally.
Share your business and product details
We gather information about the products you manufacture or sell, their ingredients, packaging, markets, and supply chain.
Assess your level of risk
We consider factors like product use, distribution channels, regulatory oversight, and consumer exposure to guide your coverage.
Compare insurers and limits
We compare quotes across trusted providers, focusing on coverage for third-party injury, property damage, and legal defence.
Select your policy structure
Choose stand-alone product liability or a combined public and product liability policy with coverage starting from $5 million.
Get documentation fast
Once approved, we issue a Certificate of Currency so you can meet client, distributor, or export partner requirements.
Ongoing support and reviews
We help adjust your cover as you launch new products, expand to new markets, or scale up production.
Why You Need It?
One faulty product could lead to costly legal claims, recalls, or damage to your brand. Product Liability Insurance provides a financial safety net.
Protects against injury and damage claims
If someone is harmed by your product or it causes property damage, this cover helps pay legal and compensation costs.
Essential for manufacturers and importers
Even if you didn't make the product, Australian law may hold you liable if you're the first supplier or importer.
Meets distributor and retailer requirements
Many major retailers or resellers require proof of product liability cover before stocking your products.
Supports product recall response
Some policies include recall costs or PR support to help you respond quickly and protect your reputation.
Operates domestically and internationally
Cover can extend to overseas distribution helping you grow with confidence across borders.
How Angelic Insurance Can Help?
We assist manufacturers, distributors, wholesalers, and retailers in finding the right product liability protection based on their business model and risk profile.
Compare industry-specific insurers
We assess policies suitable for food, skincare, tools, electronics, and other product categories with unique risks.
Help meet retail and export requirements
We work to ensure your cover meets Australian Standards and international distributor expectations.
Fast certification for retailer and distributor partnerships
Tailor coverage to supply chain structure
Whether you import, rebrand, or white-label products, we help you understand your responsibilities and structure the right cover.
Fast quotes and documentation
We deliver fast quotes and Certificates of Currency so you can meet urgent requests from clients or regulators.
Claims support when needed
We help with documentation, insurer communication, and expert input if a claim arises supporting you through the entire process.
Challenges Businesses Face Without Product Liability Insurance
Uninsured businesses may face severe financial and legal exposure if a product causes harm, fails, or breaches safety standards.
Costly litigation
If a customer is injured or property is damaged, you may face lawsuits, legal bills, and compensation orders without cover.
Loss of retail or export deals
Distributors and major retailers often require evidence of product liability insurance. Without it, you may lose sales channels.
Damaged brand reputation
Failure to respond quickly to incidents or claims can harm your brand and erode consumer trust.
Out-of-pocket recall expenses
If you need to remove products from the market, recall costs can be substantial and are often not covered without insurance.
Out-of-pocket recall expenses
If you need to remove products from the market, recall costs can be substantial and are often not covered without insurance.
Uncertainty with imported goods
You may be held liable for products you import or rebrand even if the manufacturer is overseas and unreachable.
Case Studies: How Product Liability Insurance Helped Real Businesses
Skin irritation from cosmetic product
A Sydney skincare business faced a claim after a customer developed a rash. The policy covered $19,000 in legal costs and an out-of-court settlement.
Choking hazard in toy
A Melbourne toy importer was sued after a detachable part was swallowed by a child. Their product liability insurance paid $86,000 in legal defence and damages.
Faulty electronics cause fire
A Brisbane electronics wholesaler sold faulty chargers that caused a fire in a customer’s home. The policy covered $120,000 in damages and repair costs.
Food contamination issue
A Queensland snack food company issued a voluntary recall after a batch was found to contain undeclared allergens. The insurer paid $28,000 for recall costs and legal advice.
Frequently Asked Questions
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