Supply Chain & Consumer Protection

Don't Let One Faulty Product Destroy Your Entire Business

Protect your business from lawsuits if a product you sell, assemble, or supply causes injury or property damage. Get tailored product liability insurance with Lesure.

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Target Audience

Who Should Consider Product Liability Insurance?

If your business makes, imports, or sells goods, holding the right protection is essential. Tailored product insurance covers:

Australian business owner inspecting merchandise inventory in commercial facility

Manufacturers & Assemblers: Structural defects, batch issues, or assembly errors.

Importers & Wholesalers: Strict Australian Consumer Law (ACL) liabilities for overseas products.

Retailers & E-commerce: Key business product liability insurance for online or physical storefronts.

Suppliers & Promoters: Supply chain risks and white-label branding claims.

Small Businesses: Holding dedicated product liability insurance for small business operations ensures a single product defect won't disrupt your cash flow or operational growth.

Coverage Scope

What This Insurance Covers

Designed to help reduce gaps in your cover and support your business continuity.

What This Insurance Covers

Legal Defense Costs

Pays for legal fees, expert investigations, and court defense against product liability claims.

Awarded Damages

Covers compensation payouts for third-party injury or property damage caused by a product defect.

Supply Chain Liability

Protects your business if third-party component suppliers provide faulty parts.

Quality assurance inspection in Australian manufacturing and distribution facility

Safeguarding your enterprise from third-party injury, property damage, and legal defense costs.

100% Policy Transparency

What Isn't Covered? (Policy Exclusions)

Every policy has exclusions and limits. Your Lesure broker will walk you through the key ones in your PDS before you buy, so you know where you stand.

Standard Policy Exclusions & Boundaries

Circumstances typically requiring separate extensions or policies

Faulty Workmanship & Re-making Costs: Does not cover the cost of repairing or replacing the defective item itself.
Product Recalls: Standard policies exclude batch recall expenses (requires a separate Product Recall Insurance add-on).
Known Defects & Efficacy: Claims arising from products known to be faulty prior to sale or failing to perform their intended function without physical damage.
Deductible / Excess & Limits: Out-of-pocket amounts apply per claim, with total compensation capped at your chosen policy limit.

Cost Determinants

How Much Does Product Liability Insurance Cost?

Industry & Risk Level

High-risk goods (electronics, cosmetics) cost more to cover than low-risk items.

Annual Turnover

Higher sales volumes increase your overall claims exposure.

Supply Chain Role

Manufacturers and importers carry different risk profiles than local retailers.

Pricing Tip: Rather than guessing your rates, let Lesure compare 140+ insurers to find suitable product liability cover for your business.

The Lesure Advantage

Why We're Different

Broker advice backed by the Steadfast network and decades of underwriting experience.

Steadfast Network Leverage

Access Steadfast policy wordings and compare options from 140+ insurers.

Bespoke, Tailored Precision

Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.

Fast Claims Support

End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.

Transparency & Bilingual Support

Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.

Safeguard your supply chain, physical assets, and brand today.

Common Inquiries

Frequently Asked Questions

This is standard practice in the Australian insurance market, often referred to as a public and product liability insurance package. While they are bundled together, they cover distinct risks: Public Liability covers accidents that happen on your premises or while you are actively working (e.g., a customer slips on a wet floor in your retail shop). Product Liability covers incidents that happen after the product has left your control and is being used by the consumer (e.g., an appliance you sold short-circuits and causes a house fire weeks later).

Not necessarily. While the primary liability usually rests with the original local manufacturer, you can still be dragged into a legal dispute as the retailer or distributor. Legal defense fees in Australia can accumulate rapidly just to prove your business wasn't at fault. Product liability insurance can help cover your legal defence costs subject to policy terms and limits, shielding your cash flow.

Coverage limits typically start at $5,000,000 AUD, $10,000,000 AUD, or $20,000,000 AUD. The appropriate limit depends heavily on the risk category of your goods. For example, high-exposure items like electronics, children's toys, cosmetics, and ingestible items (food, beverages, and supplements) generally require much higher indemnity limits due to the potential severity of third-party injuries.

Lesure Insurance - Don't Let One Faulty Product Destroy Your Entire Business policy review and quote

Protect What Matters

Protect Your Business from Product Claims

Ready to safeguard your products and your reputation? Navigating supply chain liabilities requires a tailored touch. Partnering with an experienced commercial risk specialist at Lesure ensures you receive expert guidance, accurate benchmarking, and competitive premiums tailored to your exact industry.

Call: (03) 7303 7504