COMPLEX 
PUBLIC & 
PRODUCTS LIABILITY 
Insurance

Protects your business against injury or property damage claims from your operations or products.

What is Complex Public & Products Liability Insurance?

Public & Products Liability Insurance (often bundled as “Broadform Liability”) protects your business if someone is injured or suffers property damage because of your operations or products – whether on-site or after delivery. For manufacturers, distributors, or importers, this cover is critical.

But not all policies are created equal. Complex businesses – like those in manufacturing, food & beverage, or chemical distribution – often need broader protection.

Why Do You Need It?

Even with quality control in place, things can go wrong – and the costs can be devastating. Legal claims, product recalls, and loss of reputation can severely impact your bottom line.

Your business may face liability for:

  • Faulty or harmful products

  • Defective workmanship after handover

  • Product failure (inefficacy) that leads to third-party financial loss

  • Injury or damage caused on your premises or by your staff

  • Expensive product recalls and crisis response

Specialised Cover Extensions Available:

We work with specialist insurers to tailor cover for higher-risk operations, including:

  • Defective Workmanship – For claims arising after faulty repairs or installation

  • Products Recall – Covers withdrawal, replacement, and crisis costs

  • Inefficacy / Failure to Perform – For financial losses from underperforming products

If you’re unsure, don’t just tick the liability box. Let a specialist help assess the real exposures in your business.

Need Guidance or a Quote?
Email us at specialists@garrun-group.co.za – we’ll ensure there are no gaps in your cover.
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