Protect yourself from Unpredictable Injury & Damage Claims

Public Liability, Product Liability and Combined General Liability (CGL) insurance policies are there to help protect you from costly lawsuits when there is potential bodily injury or property damage to third parties

Why Get Public & Product Liability Or CGL Insurance?

Protect your balance sheet

Injury or damage claims can be extremely expensive, costing millions of dollars.

Long tail nature

Issues with products or services can appear years after products are sold or service is completed.

Contractual requirements

Often enterprise clients instruct for a liability policy to be in place.

Who needs Public & Product Liability or CGL Insurance?

Product manufacturers & distributors

Even if you are only distributing products, you can and will be sued for injury to users and property damage

F&B, Retail & Service Brand or Operators

Food poisoning and injury to customers at your operating space are all typical claims that must be resolved quickly

Commercial & Office Premises Owners & Tenants

Building damage to neighbours or landlords due to fire or water can be expensive and complicated to resolve

Event organisers & exhibitors

Damage during setup and teardown, and injuries to guests during the event can far outweigh the profit of the event

Key Policy Coverages

Typical policy benefits

Property Damage

Damage to third party property caused by the business

Bodily Injury

Compensation claims if a third party is injured on the premises or due to the business’s activities

Defence Costs

Including related legal expenses

Completed Operations Coverage

Covering liabilities that arise after a work has been completed

Care Custody and Control

Covering damage to property that is under the direct supervision, responsibility or control of the business

Advertising Liability

Claims arising from advertising activities, such as claims of defamation, invasion of privacy, copyright infringement, etc.

Typical Exclusions

Claims related to cyber incidents

This is covered by Cyber Insurance. Find out more.

Claims related to subcontractors
Fraud and dishonesty

Come discuss your risk with us

At Anapi, we strive to make complex insurance easy to understand and obtain. Contact us today to get a personalised quote or to learn more about our insurance solutions.