Liability Insurance Brokers

Confused about Liability Insurance, we have an extensive range of products that we can assist and advise on.
Liability Insurance
Confused about Liability Insurance, we have an extensive range of products that we can assist and advise on.
liability insurance broker discussing insurance needs with their client

What is Liability Insurance?

When we hear the words Liability Insurance, most people automatically associated it with Public and Products Liability.

At Cowden Insurance Brokers, we can advise and provide service to you on an extensive range of Liability Insurance products available to protect your legal liability to third parties for personal injury, property damage or financial loss.

Liability Insurance Products

Examples of Liability Insurance products Cowden Insurance Brokers can arrange and advise on:
Public & Products Liability
Professional Indemnity
Management Liability
IT Liability
Excess/Umbrella Liability
Directors & Officers Liability
Association Liability
Environmental Liability
Employment Practice Liability
Statutory Liability
Aviation Liability
Workers Compensation
Product Recall
Legal Expenses
Click here for a summary of cover, or to speak with one of our professional advisors

Public and Products Liability Insurance

Protects you and your business against claims resulting from accidents or injuries that occur as a result of your business activities.

If you manufacture, sell or distribute products, Products Liability covers for damage or injury caused to another business or person by your product or service.

For many businesses, Public & Products Liability cover is mandatory.
Liability Insurance Broker
Cowden Insurance Brokers
Trusted by Thousands

Our ability to consistently find the correct solution based on our clients needs has built the trust and loyalty that thousands of Australians have in us.

50 Years of Experience

Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market.

Strong Referral Record

95% of new business is by-way-of referrals from our satisfied clients.

Safeguard your Business

We use cutting-edge technology to give you the most cost effective insurance solution.

We are Licensed Insurance Advisors

Along with our 50 years of experience, we hold an Australian Financial Services Licence.
Providing you with peace of mind that we have proven and authoritative service.

We've got you Covered

With offices in Perth, Adelaide, Melbourne and Sydney, we will find the solution for your insurance needs.

Hear What Our Clients Have to Say
Frequently Asked Questions
All businesses are unique which means insurance companies need to consider many factors to establish a premium, such as the size of the business, the business activities, number of employees and annual turnover. Our advisors will gather all the necessary information about you and your business to ensure you are correctly covered.
The most common level of cover is $10,000,000 although smaller businesses can consider $5,000,000. For large or high-risk businesses, $20,000,000 or $50,000,000 cover. Umbrella Liability insurance provides protection in excess of standard limits.
No, it doesn’t cover you for providing professional advice, design or service. Professional Indemnity insurance protects you and your business from legal actions taken against you for alleged negligence or breach of duty arising from an act, error or omission in the performance of professional services.
The policy includes cover for defence costs meaning all reasonable legal costs and expenses in defending or appealing a claim against you.
Product extends beyond manufactured; it covers damage caused by anything manufactured, grown, extracted, produced, processed, constructed, erected, assembled, installed, repaired, serviced, treated, sold, supplied or distributed, after it has ceased to be in the possession or under the control of your company.
At your first opportunity contact us. We will be there every step of the way. We will help you notify the insurer, collate and submit the right paperwork and see it through to the end of the claim.
Short answer is No. The long answer is we can arrange for the specific contract to be noted under your policy or in some cases we can arrange a “blanket contractual endorsement” so all contracts are automatically covered. This would be subject to your standard contract & terms and how you negotiate variations to these. Ask us how we can structure your program to provide a solution for your business.
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For our existing clients, please contact your broker directly. Refer to our location pages for their contact details.
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