Public & Products Liability

Why standard liability cover isn't enough

Most mid-market companies have a public liability policy. The question is whether it actually responds when they need it to. Standard broadform policies contain exclusions and sub-limits that can leave significant gaps — particularly for companies operating in construction, mining or healthcare.

Common gaps include contractual liability exclusions that carve out the indemnity obligations in your key contracts, inadequate completed operations cover for projects handed over months or years ago, product recall costs excluded from standard policies, and pollution liability limited to sudden and accidental events when your operations may create gradual contamination risk.

What risks we manage

Public liability — covering bodily injury and property damage arising from your business operations, premises and activities. We ensure the policy responds to your specific operational exposures rather than relying on a generic broadform wording.

Products liability — covering claims arising from products you manufacture, supply, import or distribute, including defective workmanship in construction and installation services.

Completed operations — extending cover beyond project handover or product delivery for the period during which claims can still arise from your work.

Contractual liability — ensuring your policy covers the indemnity obligations you've accepted in your key contracts, not just common law liability.

Extensions — vibration and removal of support, crane and hoist operations, hot works, watercraft, care custody and control, and other extensions relevant to your operations.

Limit adequacy

Liability limits for mid-market companies should be driven by contract requirements and risk exposure, not arbitrary benchmarks. We analyse your key contracts to identify minimum required limits, then assess whether those limits are adequate for realistic loss scenarios. A $20M limit may satisfy a contract requirement but still be inadequate for a catastrophic event at a major project site.

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