Public & Products Liability
Cover for injury or damage your work or product causes a third party — plus the cost of defending it.
Public liability covers injury to people or damage to their property arising from your business activities; products liability covers harm caused by the goods you supply. It's the cover clients, principals and landlords require before you start, usually to a limit named in the contract. As brokers we match the limit and wording to what your contracts actually demand.
What it typically covers
- Third-party injury
- Third-party property damage
- Products liability (goods supplied)
- Legal defence & investigation costs
- Principal's & contractor's indemnity
- Property in your care, custody & control (add-on)
- Property-damage excess buy-downs
- Worldwide jurisdiction options
Who it's for
Trades and contractors, manufacturers, importers and wholesalers, event and hospitality operators — anyone who works on others' sites or supplies a product.
Claims examples
How the cover responds in real situations.
A contractor's ladder falls and injures a passer-by.
How the cover responds: Public liability responds to the injury claim and covers the legal costs of dealing with it.
A supplied component fails and damages a customer's machine.
How the cover responds: Products liability covers the damage caused and the cost of defending the allegation.
A tradesperson cracks a client's tiled floor on a job.
How the cover responds: The third-party property-damage section covers the repair to the client's floor.
What to watch
The limit matching the figure your contracts name; the gap for property you're actually working on (care, custody & control); whether products and completed operations are included; and disclosed activities matching what you really do.
How Stonewell places it
We match the limit and wording to your contracts, place it with insurers who understand your trade, and handle any claim or letter of demand for you.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.