AUSTRALIAN INSURANCE GUIDE
Products Liability Insurance Guide
A guide for businesses that manufacture, import, distribute, supply, sell, repair, alter or install products.
QUICK ANSWER
Why does the product mix matter for Products Liability Insurance?
Products Liability exposure can change according to what the business manufactures, imports, distributes, supplies, repairs, alters or installs, the products’ end use, territories, quality controls and the potential consequences of product failure.
OVERVIEW
The product and its end use drive the exposure
Prepare details of product types, end uses, imports, exports, USA or Canada exposure, safety-critical applications, food and drink, children’s or medical products, component parts and previous claims.
Product recall is a separate exposure and should not be assumed to form part of ordinary Products Liability cover.
Australian insurance context
For Australian businesses, Products Liability Insurance Guide should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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Published by DIBNI · Last reviewed 30 August 2026 · Editorial standards · Commercial insurance proposal guide