Public and Products Liability Insurance

Navigating the landscape of public and products liability insurance can be complex, but it’s paramount for businesses aiming to protect against unforeseen liabilities in Australia. At Midas Insurance Brokers, we specialise in this domain, ensuring our clients are well-covered against potential claims.

What is Public and Products Liability Insurance?

Why Midas Insurance Brokers?

Tailored Solutions

Every business is unique, and so are its insurance needs. We evaluate your business profile to recommend coverage that aligns perfectly with your risk exposure.

Broad Network

Our deep-rooted connections with leading insurance providers in Australia allow us to offer a wide range of policy options, ensuring optimal coverage at competitive rates.

Expert Guidance

Our seasoned team of brokers simplify the intricacies of liability insurance, guiding you through every step, from understanding your needs to finalizing the best policy.

Protect Your Business

Don’t leave your business exposed to potential liabilities. Reach out to Midas Insurance brokers today at 1300 664 272 or fill out our quote form.

Let our experts help you select a public and products liability insurance policy that caters to your needs.

Frequently Asked Questions

While not always legally mandatory, certain industries, contracts, or client agreements might require you to have it. Even if not compulsory, it’s advisable for most businesses due to potential legal and compensation costs.

The premiums for this type of insurance are influenced by a range of factors. This includes the nature and size of your business, the industry you’re in, your annual turnover, number of employees, your claims history, and the level of coverage you choose.


Businesses perceived as ‘high-risk’ might have higher premiums.


To get a precise estimation tailored to your business, it’s best to contact Midas Insurance Brokers directly at 1300 664 272. We have the expertise to evaluate your specific circumstances, guide you through the factors affecting your premium, and offer solutions that provide optimal coverage at competitive rates.

No, this insurance primarily covers liabilities related to third parties, not your employees. For incidents concerning your employees in Australia, you’d typically require Workers Compensation Insurance, which is mandatory for most businesses with employees.

If your business faces a lawsuit related to product defects or incidents, the first step is to notify your insurance broker or insurer without delay. They’ll provide guidance on the claim process, and if your policy includes it, they can facilitate legal representation.


It’s crucial to avoid admitting liability until you have sought advice.

Absolutely. As businesses evolve, so do their insurance needs. Whether your business is expanding, diversifying, or even downsizing, it’s essential to periodically review and adjust your insurance cover.


An annual review with your broker is recommended to ensure your coverage matches your current business status and future projections.

While you can obtain public liability insurance directly from providers, using a broker like Midas offers several advantages:

  • Expertise:

    Our team understands the nuances of public liability insurance and can guide you in selecting the right coverage for your business or event.

  • Choice & Competitive Rates:

    We have access to quotes from various insurers, ensuring you get the best coverage at a competitive price.

  • Streamlined Process:

    We handle the legwork of obtaining quotes and comparing policies, saving you valuable time and effort.

Getting a quote with Midas is simple! Just fill out our quick online form with some basic details about your business or event. Our team will then be in touch to discuss your specific needs and provide personalised quotes.

Get Your Public Liability Insurance Quote Today

Let our experts guide you to the right public and products liability insurance tailored to your needs. Don’t leave things to chance – ensure your business is protected.

Explore Our Comprehensive Insurance Services

At Midas, we cater to a diverse range of insurance needs:

Marine Insurance

From freight forwarding to overseas household moves, secure the best marine coverage with us.

Commercial Insurance

Comprehensive solutions tailored for businesses. Whether you need coverage for cyber threats, events, or commercial fleets, we've got you covered.

Professional Insurance

Specialised policies for professionals, including management liability and professional indemnity coverage.

Personal Insurance

Policies tailored to your lifestyle, covering everything from home and contents to motor vehicles and travel.

Want to dive deeper into a specific service? Reach out to our team, and we’ll guide you through every step.

Explainer Video:

Take a look at this video which explains how Public and Products Liability Insurance can protect your business.


Click here to ask a question about what you see here.