Both public liability and products liability policies will react in the event of legal action being made against you in respect of third party injury or damage to third party property, however the cause of the loss is where the difference lies.
Public liability insurance will react in circumstances where legal action is taken in relation to third party injury or property damage occurring in the provision of your services.
Products liability insurance will react in circumstances where legal action is taken in relation to third party injury or property damage occurring due to products sold or supplied by you.
For example, smashing a client's window with a ladder could give rise to a public liability claim, whilst selling a customer a faulty electrical item which subsequently electrocutes them could give rise to a products liability claim.
Products liability is included within Qdos public liability insurance policies.
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