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Public liability insurance offers protection against injury or property damage due to business activity, while product liability insurance covers harm caused by faulty products. Guidance, products and services to help protect you and your business from liability risks. Here, we look in detail at the differences between public and product liability insurance, explaining the ins and outs of each kind, what’s essential, and other factors to be aware of when you’re comparing policies.

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Protect your business from potential risks with zurich's bespoke public and product liability insurance. Product liability, however, covers physical products or parts that you sell or provide. Public liability and product liability insurance provide essential protection for claims brought against you by affected parties

We explain more about these two insurances and why you might need them for your business.

Public and product liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products. Public or general liability cover protects your legal liability for damage inflicted If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage. Additionally, having both insurances will help a business save a significant amount financially and help defend its reputation.

Public liability insurance covers the work that you do or services that you provide