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Public Liability Insurance

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Public Liability

What?

Public Liability covers is a policy that protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.

 

Why you need? – Benefits

Public liability insurance safeguards your business by providing cover against personal injury or property damage claims, including legal defence costs. So you can confidently go about your work, knowing you’re protected if something goes wrong.

 

Who needs it?

Public liability insurance is designed for professionals who interact with customers or members of the public.

If you work with clients or customers, or in public spaces, it’s important to protect your business against claims of damage or injury. That’s why we often include public liability insurance in our industry-specific business insurance packages.

 

What it covers

Public liability insurance only covers claims made by external parties, not those made by your own employees. Public Liability protects your business against a wide range of circumstances, including

  • Injuries caused by slips or falls on your premises to third parties
  • Death to third parties
  • Loss of or damage to third party property
  • Both legal costs and any legal payouts for which the insured would be responsible if found legally liable.

What we don’t cover - Exclusions

Intentional damage and contractual liabilities are typically not covered in these types of policies.

Download Document Marine Quote(Public Liability)