Public liability covers third-party bodily injury and property damage at your premises or from your operations; product liability responds to harm caused by a defective product after it leaves your control. The Consumer Protection Act, 2019 widened product-liability exposure materially, and defence costs in metro courts can exceed the award itself.
Exposure profile
Where this risk lands on your balance sheet.
The exposures we evaluate first when scoping a programme against this risk.
01
Third-party injury at your premises
Visitor, customer and public injury claims arising from your operations.
02
Property damage to others
Damage to neighbouring property, vehicles or infrastructure from your activity.
03
Defective-product & recall-adjacent claims
Harm caused by a product after sale, now squarely within the Consumer Protection Act.
04
Legal defence costs
Defending a liability suit can cost more than the eventual settlement.
Industries most exposed
Who carries the most of this risk.
The sectors where this exposure is most acute, each links to its industry page.
Anybody whose premises members of the public enter, or whose operations happen where other people and property are. A showroom, a restaurant, a clinic, a contractor working on somebody else's site. The exposure is created by the visitor, not by the trade.
Public liability is about your premises and your operations. Product liability is about the thing you made after it has left you and is being used somewhere you have never been. A manufacturer carries both, and they crystallise in completely different ways.
Because the claim is brought where the harm happened, under that jurisdiction's rules on liability and damages, and defended by lawyers there. The same defect on the same product carries a very different exposure depending on which country it was sold into.
No, and this is the common miscalculation. Turnover indicates how much product is out there; it says nothing about what one serious injury claim would cost to defend and settle. Exposure is sized on the worst realistic single event, not on a share of sales.
As long as the product is in use, which for machinery or components can be years. That is why the trigger on the cover matters and why a business that stopped making something is not automatically finished with the liability for it.
Find your cover
Five questions. A starting programme. No obligation.
Step 1 of 5
Are you placing cover for a business or for personal lines?
What is the scale of the operation?
Who is the cover for?
What worries you most? (pick up to three)
When does your current cover renew?
Anything specific we should know?
Optional. Sector, location, prior claim history, current insurer, whatever frames the engagement.
Your starting programme
Based on what you told us, here is the cover that fits.
This is a starting position, not a quotation. A short call with an advisor will refine it against your actual exposure, claim history and contract obligations.
Raksha AI’s note
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