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Public & Products Liability

Public and product liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by your business.

Who should consider Public & Products Liability protection?

Product liability insurance is designed to help protect your business if you're sued because a product you sell, assemble or supply has caused harm to a person or property.

Public liability insurance can help to protect your business from the financial risk of liability claims - giving you the certainty you need to trade with confidence.

While public and product liability insurance isn't mandatory for most businesses, it is recommended for all companies. That's because the unpredictable nature of accidents makes it hard to prevent - and - the costs of being sued can be extraordinarily high.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

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For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

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Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay. Depending on your policy, public and products liability insurance can cover

Personal injury

If somebody is wrongfully injured by your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.

Property damage

If property is damaged due to your actions or your product, public and products liability insurance can cover you for your liability to pay damages to the claimant.

Advertising injury

Liability arising out of advertising carried out by or on behalf of the insured.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: The offshore manufacturer of your sunscreen accidentally contaminates the product with chemicals that cause customers to break out in a painful rash. They file a class suit against you to compensate them for the injury.

Outcome: Luckily, your policy covers you for the costs of going to court and the damages awarded to the customers.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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