Home > Liability Insurance Liability Insurance Brokers Confused about Liability Insurance, we have an extensive range of products that we can assist and advise on. Home > Liability Insurance Liability Insurance Confused about Liability Insurance, we have an extensive range of products that we can assist and advise on. 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 Cyber Liability Environmental Liability Employment Practice Liability Statutory Liability Marine Liability Aviation Liability Workers Compensation Product Recall Legal Expenses ENQUIRE NOW 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. CONTACT US 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. Protecting your Company’s Balance Sheet with the Most Economical Solutions 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. TESTIMONIALS Hear What Our Clients Have to Say "Thank you to Cowden for putting in place Strata Insurance for our properties. The effort put in by Karen Wilson in achieving this outcome was exceptional. Again many thanks to Karen and Cowden, we will be recommending your services”. - Dr. Mark Hagan "In speaking with Cowden Insurance Brokers I have learnt so much about insurance including how important it is as a tenant that you have Contents Insurance. I am more than happy to recommend your fantastic services." - Jan Eriksen "Cowden Insurance Brokers help was incredible! They tailored my insurance for my personal needs. The team was so friendly and helpful, and answered all of my questions and concerns, highly recommend!" - Alice McKenna "Thank you for quickly arranging insurance for me, great work from the team at Cowden Insurance Brokers” - Rob Gillies "Great service, managed to beat all quotes/policies I previously had which I personally managed. I highly recommend Cowden Insurance Brokers”. - Zac Hillier "Great service from some equally great people. If you are looking for someone to look out for your interests by getting the best insurance at a great price, then these people are the ones to see”. - Sharon Setton Frequently Asked Questions How much does Public & Products Liability Insurance cost? 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. How much Public & Products Liability cover should I have? 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. Does Public & Products Liability cover me for advice? 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. What happens if I’m sued but I’m not negligent? The policy includes cover for defence costs meaning all reasonable legal costs and expenses in defending or appealing a claim against you. I don’t manufacture anything, why would I need Products Liability? 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. How do I lodge a Liability Insurance claim? 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. The business contracts that I sign often mention insurance requirements, will the insurance company automatically cover the contract? 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.