Public Liability Insurance

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Protection against claims of personal injury or property damage that a third party suffers

Public Liability Insurance covers the cost of compensation to third parties for death, injury or damage to their property, which happens as a result of a firm’s business activities. A ‘third party’ is anyone outside the company that the business has contact with – including, for example, people visiting the premises, watching activities that the business has organised and even passers-by.

Risks Covered
  • Bodily injury: Public liability insurance helps to cover expenses if someone is injured.
  • Property damage: It helps to cover damage to a third party’s property. For instance, if you own a coffee shop, and one of your employees accidentally spills a coffee on a customer’s designer purse. Your policy could help cover the cost of replacing the purse and any damaged contents.
  • Legal expenses: It also covers the cost of hiring and paying an attorney to represent your business in a lawsuit brought by a customer or someone else.
  • Injury to employees (as this is covered by an employers’ liability policy)
  • Property belonging to the insured (as this is covered by a material damage policy)
  • Products liability (as this is covered by a products liability policy)
  • Contractual liability (this can sometimes be deleted with the agreement of insurers in relation to specific contract wordings)
  • Cost of rectifying defective work
  • Professional negligence (as this is covered by a professional indemnity policy)
  • Motor vehicles (as these is covered by a motor policy)
  • Vessels and craft (as these is covered by a marine policy)
  • Lifts, elevators and boilers (as these are covered by an engineering policy)
  • Gradually occurring pollution
  • War risks
  • Radioactive contamination

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