Product Liability

What insurance covers damage caused by air conditioning installation?

Public and product liability insurance is designed to cover claims for property damage or bodily injury caused to third parties as a result of your installation work or the products you supply. For example, if an air conditioning unit you installed causes water damage to a client's property, or faulty installation leads to injury, this type of cover may respond. The specific scope of cover, including any applicable exclusions, is set out in the policy wording.

Does the insurance cover allergic reactions to products I use?

Yes, product liability coverage may respond to claims arising from allergic reactions to products used during your beauty treatments, such as hair dyes, skincare products, or waxing products. This includes situations where a client experiences an adverse reaction despite proper patch testing. Coverage includes legal costs any settlement or compensation, subject to policy terms and conditions.

All Category

© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.