Miramar General and Products Liability
- Product Liability
- Public Liability
- SME
Product Overview
Miramar General and Products Liability by Miramar Underwriting Agency is designed for businesses that want broad protection with clear terms. This policy focuses on both public liability and product liability, giving peace of mind to Australian SMEs that need to manage everyday risks.
The cover is available to businesses in all states, with a maximum limit of AUD 20 million. The minimum excess starts at AUD 500, making it accessible for many small and medium-sized businesses. There is no need for a broker contract, which helps keep things simple for brokers and clients. The product is structured to serve a broad national market, offering consistency and flexibility.
About Miramar General and Products Liability by Miramar Underwriting Agency
This product is aimed at SMEs across a wide range of industries. It protects against claims that can come from business operations or products, including injury or property damage. The policy is flexible and can be tailored to suit different business needs, making it suitable for businesses with unique requirements.
Brokers can find more details or request a quote by visiting the Miramar Underwriting Agency’s liability page. For those who want to learn more, the product page also provides easy navigation to contact options, like the ‘Contact Underwriter for Quote’ button, and further resources. This makes it easier for brokers and businesses to get the information they need and arrange cover quickly.
Miramar General and Products Liability by Miramar Underwriting Agency FAQs
Is Miramar’s liability cover available as a stand-alone policy or in a package?
Miramar’s liability offering can be written as a stand-alone general and products liability policy for clients needing focused liability protection. It can also sit inside a package with other Miramar covers, which helps brokers build broader programs using one insurer relationship.
What types of businesses can consider Miramar General and Products Liability by Miramar Underwriting Agency?
The product is designed for businesses of all sizes, from small local firms through to larger enterprises with more complex activities. Miramar trades across more than 450 occupation types, sitting firmly within commercial insurance, so it suits a broad mix of Australian commercial clients.
What types of claims are typically covered by this product?
This liability cover focuses on third-party personal injury and property damage linked to the insured’s business activities and products. Miramar General and Products Liability by Miramar Underwriting Agency combines public liability and product liability, so it can respond to incidents involving visitors, customers, or supplied goods within the policy terms.
How does Miramar General and Products Liability by Miramar Underwriting Agency handle primary and excess layers?
The product can operate as primary liability cover, taking the first layer of loss on a placement. It can also be written as excess liability above another policy, with capacity up to $20 million and higher limits considered on request.
Can Miramar General and Products Liability by Miramar Underwriting Agency be tailored for different industries?
Miramar’s broad appetite allows the liability wording to be used across many sectors and risk profiles. Optional extensions such as errors and omissions and product recall expense are available in some cases, so brokers can seek terms that better match particular industries.
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