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Public & Products Liability

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Public & Products Liability
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What your policy covers

Public and Products Liability Insurance helps protect your small business if you’re legally liable to pay compensation for personal injury, property damage or advertising liability arising from your business activities or your products. Cover applies to occurrences during the period of insurance and within the territorial limits (worldwide excluding North America, with limited exceptions for brief business visits and unknown exports).

Key costs that may be picked up beyond compensation

Beyond compensation to third parties, the policy also picks up key costs. This includes defence costs we consent to, first‑aid expenses and court‑attendance costs—generally payable in addition to the limit in Australia. You’re also supported with legal representation at inquiries arising from a covered occurrence (up to $250,000), temporary protection expenses to make sites safe, limited overseas personal liability for employees/directors travelling on business, and claims preparation costs (up to $25,000 per occurrence).

Important limits, eligibility and issuing information

Limits apply per occurrence for public liability and in the aggregate for products liability, and a deductible (or an injury‑to‑contractors deductible where applicable) will be shown on your schedule. Eligible Australian‑domiciled businesses can apply. The policy is issued by Agile Underwriting Services on behalf of certain Underwriters at Lloyd’s. This is general information only—read the PDS and your schedule to decide if the cover, limits and deductibles suit your needs, then ask New Wave Insurance for a tailored quote.

This is general information only—read the PDS and your schedule to decide if the cover, limits and deductibles suit your needs.

Key benefits at a glance

  • Public, products and advertising liability
  • Defence costs in addition to the limit (AU/NZ)
  • Inquiry representation up to $250,000
  • Claims preparation costs up to $25,000




Important exclusions and conditions

No cover for professional advice, your own property, product recall/rectification, certain motor vehicle liabilities subject to compulsory schemes, aircraft/hovercraft, many cyber/data events, communicable disease, pollutants except for specific sudden accidental events outside North America, and certain high‑risk products (e.g. asbestos, tobacco). You must take reasonable precautions, follow claims procedures and not admit liability without consent—always read the PDS and schedule for full terms, limits and deductibles.
FAQ

Frequently Asked Questions

Find answers to common questions about our insurance products and services.

Australian businesses conducting business within Australia
This policy covers your legal liability to pay compensation for personal injury, property damage, or advertising liability that occurs during the insurance period, arising from your business activities or products within the territorial limits.
The insurance is issued by Agile Underwriting Services Pty Ltd (ABN 48 607 908 243, AFSL 483374) on behalf of certain Underwriters at Lloyd's, led by Agile Syndicate 2427 managed by Asta Managing Agency Ltd.
You have 14 days from the date your cover is confirmed to cancel and receive a full refund of premiums paid. After the cooling off period, you can cancel anytime by emailing cancel@withagile.com or calling 1300 705 031, and receive a pro-rata refund (unless a claim has been made).
Key exclusions include: cyber incidents and data losses, deliberate acts, employee injuries covered by workers compensation, pollution (except sudden identifiable events), professional liability for fee-based advice, asbestos-related claims, terrorism, war, and claims arising in or under US/Canadian laws.
Contact Agile as soon as possible on 1300 705 031 or email claims@withagile.com. You must advise the cause and amount of loss, take reasonable steps to prevent further loss, cooperate with any investigation, and not admit liability without Agile's written consent.
Coverage in North America is limited to overseas business visits by non-resident directors, partners, officers, executives or employees (excluding manual work), and products exported to North America without your knowledge. Claims brought in US/Canadian courts are generally excluded.
The deductible is the first amount of each claim you are responsible for paying. It applies to each occurrence and is specified in your policy schedule. Agile will never pay the deductible portion of any claim.
Yes, but with conditions. Claims related to personal injury where your liability involves someone undertaking work for reward in connection with your business may be subject to a separate 'injury to contractors deductible' as specified in your schedule.
First contact Agile's Complaints Officer on 1300 705 031 or complaints@withagile.com. If unresolved within 10 business days, the matter escalates to Lloyd's Australia. You may also refer complaints to the Australian Financial Complaints Authority (AFCA) on 1800 931 678 at any time.