General Liability Insurance | Product & Public Liability

Whatever the size and shape of your business, you have a duty of care to prevent harm or damage to all people and property you or your employees come into contact with during the course of business.

It might be a slip or trip that causes injury, a faulty product that damages property, or even an advertisem*nt that unintentionally misleads.

Try as you might to prevent these incidents, they’re often beyond your control. They may not even be your fault. But they could cost your business millions if you don’t have the right cover.

What is General Liability insurance?

General Liability insurance, also known as Public and Product Liability insurance, helps to protect your business in the event a claim for compensation is brought against you for injury or damage arising out of the course of your business. This could include:

What does General Liability insurance cover*?

Injury or damage to third parties and advertising liability.

Which cover is right for you?

Every business is unique, so we work with you and your broker to understand your risk and exposure to provide the right cover to protect you against the unforeseen.We have cover to suit:

Small (micro) businesses

For small businesses with 1-10 employees and turnover under $2 million, our direct Small Business Insurancemight be for you. With business liability cover as your base, you can choose from a limited range of optional insurance covers to suit your business needs.

Buy online and tailor your cover

Small and medium businesses

If you are a small or medium sized business with up to $20 million turnover and property assets valued under $10 million, our business packages policy is designed to protect businesses like yours.

Your broker can arrange for a quote or to build your own insurance package to protect your business.

Large business

For larger businesses, we can provide tailored General Liability solutions to suit businesses in a wide range of industries. In addition, we have *optional cover extensions available depending on your risk profile, these include:

Cover for products exported to the USA or Canada
Cover for your expenses in the event you need to recall a product
Cover for an error or omission you may make in the course of business.

Contact your broker to build the right insurance solution for your business.

*Optional cover extensions are subject to risk assessment and limits and exclusions may apply.

Expert support from cover to claim

Our dedicated liability underwriting teams endeavour to provide comprehensive solutions to cover your business risks, no matter how unusual or complex. And in the event of a claim against your business, our specialist liability claims team will be there to support you throughout the process.

Our financial strength and consistent approach to underwriting liability over many years prove that we’re in it for the long haul and you can rest assured that we will be around to provide expertise and support throughout the entire claims journey.

How to buy Public Liability insurance

Our General Liability policy is available through brokers and QBE authorised representatives. They’ll ensure the policy works for you and if you need to make a claim, they’ll guide you through our claims process.

Need a broker? If you don’t have a reliable personal recommendation, please visit the Need a broker website* where you can find an accredited broker. Or see our guide to finding the right broker.

*The brokers on this site are not employees or agents of QBE but are independent entities. QBE is not responsible for any advice provided to you by any broker on this site. Any such advice is the responsibility of the broker concerned.