Public Liability Insurance

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Public Liability Insurance

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.

Exclusions

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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