Product Liability Insurance Cost Calculator
Estimate the cost of product liability insurance, cover for claims that a product you make, import or sell caused injury or damage. Premiums are driven by your turnover, the product's risk, and whether it is bundled with public liability.
Your product liability insurance details
Your estimate sits within the typical range.
Product liability covers claims that your product caused harm. It is usually bundled with public liability as 'public and products liability'. Premiums scale with turnover and, heavily, with how risky the product is and where it is sold.
💰 Ways to save
- Bundle product and public liability, it is usually cheaper than separate policies and most insurers quote them together.
- If you only sell domestically, avoid US-export cover, which carries a large loading.
- Good quality control, instructions and labelling reduce claims and can reduce premiums over time.
How we estimate this
Product liability insurance in Australia typically costs around $500 to $2,000 a year for a small, low-risk product business in 2026, rising to $5,000 to $15,000+ for higher-risk products (food, supplements, children's goods), larger turnover or US-export cover.
Pricing reviewed: November 2026.
Understanding product liability insurance costs in Australia
Product liability insurance in Australia typically costs around $500 to $2,000 a year for a small, low-risk product business in 2026, rising to $5,000 to $15,000+ for higher-risk products (food, supplements, children's goods), larger turnover or US-export cover.
Premiums are driven by turnover and, heavily, by the product's risk and where it is sold, products used in or on the body, or by children, cost most. It is usually bundled with public liability, and US-market exposure adds a significant loading.
Frequently asked questions
How much does product liability insurance cost in Australia?
Roughly $500 to $2,000 a year for a small, low-risk product business in 2026, rising to $5,000 to $15,000+ for higher-risk products, larger turnover or US-export cover.
What is the difference between public and product liability?
Public liability covers injury or damage from your business operations; product liability covers claims that a product you made, imported or sold caused harm. They are usually bundled as 'public and products liability'.
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