Protecting you and your legal liability

PRODUCTS AND SERVICES

Public and Products Liability

Protecting you and your legal liability

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Experience where and when it matters

Accidents can and do happen, so with the highly litigated environment that companies face today, Public and Products Liability insurance covers your legal liability to pay compensation (including legal expenses) to third parties in the event that you caused, or are alleged to have caused, injury, death or loss of or damage to property arising out of business operations or products.

Our fully integrated broking team provides a full placement service, from preparation of marketing documents through the negotiation stage to invoicing and issuing of contract wordings. This ensures that we are best placed to deliver an efficient, accurate and responsive service, both through the renewal process and mid-term.

Our Products and Services

We have market leading expertise in:

  • Public and products liability

  • Product guarantee and recall

  • Contaminated products

  • Defective products and finished consumer products

  • Environmental impairment liability

  • Employers' liability

  • Program benchmarking 

  • Hospitality

  • Automotive component 

  • Multinational placements

  • Captive and other self-insured structures

  • Technical wording review

  • Automobile liability

  • Contract Review

  • Contractual Liability / Principals Indemnity

With full access to the London, European and Bermudan markets, we ensure that the widest range of insurers are utilised for your benefit.

Key Contacts

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Peter Barron

National Manager, Corporate Risks (Perth)
peter.barron@lockton.com
+61 437 202 955

Questions? We'll guide you in the right direction.

Ask us about our products, services or anything else on your mind. Our insurance and risk specialists are here to help.

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Latest from Lockton

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Poor due diligence can increase your organisation's potential PI exposure, the consequences of which can be costly. From reputational damage, financial and operational costs, and even legal expenses.
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Cyber-physical risk in the marine sector: a wake-up call from the MSC Antonia

The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident.

This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks.

Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs.
The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident.

This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks.

Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs.

Balance Sheet Protection: Specialised D&O Insurance Solutions

Directors & Officers (D&O) insurance should not be treated as a routine procurement exercise. As a non-prescribed class of insurance, D&O policies are not subject to minimum coverage standards. In today’s soft insurance market, this means insurers can significantly dilute policy terms to maintain premium competitiveness, potentially leaving critical gaps in protection.Directors & Officers (D&O) insurance should not be treated as a routine procurement exercise. As a non-prescribed class of insurance, D&O policies are not subject to minimum coverage standards. In today’s soft insurance market, this means insurers can significantly dilute policy terms to maintain premium competitiveness, potentially leaving critical gaps in protection.

Ensuring the right cargo cover amid tariff uncertainty

The recent US import tariff changes have created significant trade disruption in the cargo market: goods were expedited prior to expected tariff increases, or after the announcement, diverted to other destinations, or held in storage awaiting improved tariff conditions.The recent US import tariff changes have created significant trade disruption in the cargo market: goods were expedited prior to expected tariff increases, or after the announcement, diverted to other destinations, or held in storage awaiting improved tariff conditions.
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