Public & Products Liability Insurance

Perfect for business owners or contractors, public & products liability insurance covering 140+ types of trade businesses

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What it covers

What is covered under public & products liability insurance?

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Products Liability

Products Liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party. This might be a claim arising from a faulty product that injured someone else.

Vicarious Liability

Vicarious liability insurance covers you for any conduct of your agents, contractors or employees in the performances of your services.

Care, Custody & Control

Care, custody & control pays for property damage that might occur to premises or third party parked vehicles while you occupy premises and where the loss or damage did not occur through the performance of your work.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

upcover offers

Instant Insurance Cover

Acclaimed Claims Service

Market Leading Insurance

Cancel Anytime Insurance

100% Online Process

Instant Proof of Insurance

what it means

Protecting contractors, sole traders and small businesses across Australia

Specifically designed to meet the needs of the broad range of professionals, within the construction, professional service, retail or hospitality in Australia and their staff. upcover offers market-leading tailored insurance cover for those who may be required by their contracts with clients to take out public and products liability insurance.

With limits of up to $20m Public & Products Liability, plus reinstatements, this cover is perfect for all types of contractors across the trades & services space.

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Why upcover

Why choose upcover for public & products liability insurance?

upcover’s got your back with public & products liability cover!

At upcover we understand the trauma of going through a complaint, responding to a legal proceeding or investigation. The public & products liability insurance  aims at working as a safety net to minimise your out-of-pocket expenses, in paying legal bills, responding to or even settling a dispute - so you don’t have to lose focus on running your business, or part with your hard-earned savings.

who we cover

Cover's 140+ types of general contracting businesses

Select from more than 140 types of construction, cleaning, landscaping businesses and sole trader professions
Plumbers
Window Cleaners
Tree Trimming
Roofers & Tilers
Carpentars
Landscapers
Lawn Mowers
Electricians
Welders
Office Cleaners & Janitors
Pest Contol
140+ Other Professions
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WHY its important

Why is liability insurance important for trades professionals?

Mistakes can prove to be costly if you're a small business or contractor in the trades industry. This can be devastating - damaging your reputation, affecting your cash flow, and putting your business at financial risk.

You may be a construction contractor renovating your clients housing or a plumber helping them fix their bathroom fittings, or even a landscaper providing gardening and landscaping services - allegations of third party property damage, injuries to others and poor judgement on your side can derail everything you've worked for and have potentially devastating financial consequences.

FAQs

Commonly asked by our customers

What is the public & products liability insurance that upcover offers?

This insurance is the tailored insurance cover that upcover offers to trades professionals. Trades professionals includes those engaged in the construction industry i.e. electricians, plumbers, carpenters etc.; those operating cleaning businesses i.e. office and janitorial services, garbage cleaning, pest control etc.; as well contractors in the landscaping industry.

This insurance covers more than 140+ trades occupations with market-leading insurance coverage at competitive prices, we are ensuring that you can get the cover you need in minutes from trusted A-rated insurers. Get a quote here.

What is Public and Products Liability insurance?

Public and Product Liability insurance protects you and your business in case your clients or any other third party sustains an injury and/or causes property damage during the course of your work. Business owners have a duty of care for any third party they interact with as part of their business activities.

By having an adequate level of cover, Public Liability insurance can help you avoid the stress of defending any claim yourself or paying any expensive legal fees so you can resume your business’ day-to-day operations without any hiccups.

What do I need to do to get a quote?

At upcover, we believe in simplicity. Just tell us your occupation, and your revenue and you'll get a price for the insurance in a matter of seconds. You’ll only need to answer a few more questions and you'll be able to buy a policy in minutes - not days or weeks or months!

Who is upcover's insurance partner?

upcover offers insurance products backed by Professional Risk Underwriting Pty Ltd (ProRisk), Australia’s Underwriting Agency of the Year in 2020.

What is a certificate of currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

How can I make a claim?

You can make a claim by filling up this online form here.

Just answer a few simple questions and submit your claims form in minutes.
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2024 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078