Liability insurance protects businesses of all shapes and sizes against mistakes made by both management and employees. Sydney Insurance Brokers offers several types of cover that will protect you financially in the event of occurrences ranging from third party injuries to employee lawsuits.

Public Liability Insurance

Public liability insurance provides cover for your business in the event a third party is injured or has their property damaged while they’re on your premises. The liability can be incurred through negligence on the part of you as the business owner, or any of your employees.

Product Liability Insurance

Product liability insurance is a big one for manufactures, as it’s essential for them to protect themselves and their products financially if they fail to fill their responsibilities to consumers. For instance, if a manufacturer sells a dodgy baby seat and a child is injured, product liability insurance will give them the financial cover they need to defend or pay any legal costs. Even if all care is taken to ensure all products are safe and meet Australian regulations, defending an unsuccessful or false claim can be very expensive, so good product liability insurance is a must!

Professional Indemnity Insurance

Professional indemnity insurance covers you against any liability for financial damages incurred by your clients, as a result of advice provided by you or your employees. This might be due to a mistake, omission or an act of negligence.

Management Liability Insurance

Management liability insurance is there to protect the personal wealth of the managers of an organisation, as well as the financial interests of the company as a whole.

Directors And Officers Liability Insurance

Directors and officers liability insurance protects the officers and directors of a company from personal liability relating to errors or omissions made in connection with their corporate duties. In some instances, directors and officers liability insurance can also cover any money that the corporation is required to pay a director or officer as the result of legal action.

Association Liability Insurance

Not-for-profit organisations face as much risk as for-profit ones do when it comes to the chances of incurring a lawsuit. Association liability insurance is designed to protect these not-for-profit organisations from any liability incurred through the provision of their services or their conduct/activities.


What is the difference between public and general liability?

General liability is combination of public and products liabilities.

General Liability covers the individual, a business and related entities (including property) for personal harm, suffering and loss resulting from general malfunctions, or injury resulting from a reasonable breakdown of the supply chain or equipment. In some cases, it can also cover property damage on part of a tenant. 

Public Liability insurance deals with covering a defendant against claims of negligence that occurred reasonably within the normal course of business activity (less specific than general liability and primarily concerned with insuring against ensuing court costs).