Business Liability

Target Occupations:

  • Manufacturing
  • Mining
  • Construction
  • Contractors
  • Engineers – Design & Construct
  • Nursing Homes & Aged Care
  • Security Contractors
  • Waste Management/Collection/Disposal

Product Wording

Business Liability policy is designed to offer combined Public & Products / Financial Loss (PI) in one package.

Underwriting Security and Capacity

  • Certain Underwriter’s at Lloyds of London and Berkley Insurance Company
  • Minimum A+ Standards and Poor’s Rating
  • APRA Approved and Australian Licensed
  • Public & Products: $50,000,000
  • Financial Loss: $20,000,000 (Claims Made)

Key Features

  • This product is designed to cover an insured’s liability exposures whether they be occupational or professional.
  • Coverage would apply for both indemnity and legal costs for any actions made against the Insured in respect to bodily injury property damage and or financial loss (subject otherwise to the Policy terms and conditions)
  • The Financial loss section is not limited to breach of professional duty
  • The intention of the policy is to target clients with Public and Products liability exposures greater than an office risk. Unlike competing combined products which are commonly PI driven
  • In terms of Professional cover there is no Bodily Injury / Property Damage Exclusion
  • One Underwriter / one policy. No coverage dispute between underwriters

Contact Epsilon and speak with our experienced underwriters


How to make a claim