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WHAT IS

Public Liability Insurance

No matter who they are – customers, employees, or  members of the general public – when things go wrong, you need to be able to make it right. Having the proper cover to protect yourself is essential in such circumstances.

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Public Liability Insurance

How Will

Public Liability Insurance protect my business?

In business, risks are inevitable. Protecting yourself from potential liabilities is crucial. Public liability insurance plays a vital role by covering claims for accidents, damages, and lawsuits. It provides financial protection, enhances credibility, and offers peace of mind. Focus on growing your business while mitigating risks with general liability insurance.

Covers A

Wide Range of Risks

Bodily Injury

Slip-and-fall Injuries

A customer falls down the stairs at your business, breaks their ankle and files a lawsuit. Excludes employees.

Property Damage

Property Damage

You accidentally damage a client or customer’s property.

Reputational Harm

Reputational Harm

An employee bad-mouths a client online and the client sues you.

Legal Fees and Expenses

Legal Expenses

You need an attorney to defend your business in a lawsuit after a claim.

Medical Payment

Someone (excluding employees) gets injured and asks you to pay for medical expenses.

Advertising Infringement

You're sued for copyright infringements on an image used in your advertising.

PUBLIC LIABILITY INSURANCE

Inclusions and Exclusions

Public liability insurance policies typically have exclusions and limitations, which vary based on the specific policy and insurance provider. It’s crucial to understand these exclusions and limitations to ensure you have the appropriate coverage for your business needs.

Included in Public Liability insurance

Public liability insurance typically includes coverage for the following:

  1. Bodily Injury: This coverage protects against claims for bodily harm or injuries caused to third parties, such as customers or visitors to your business premises.
  2. Property Damage: It provides coverage for damage to someone else’s property caused by your business operations or actions.
  3. Personal and Advertising Injury: This coverage protects against claims related to offenses such as libel, slander, defamation, or copyright infringement in your advertising or marketing activities.
  4. Legal Defense Costs: Public liability insurance often covers legal defense costs, including attorney fees, court expenses, and settlements or judgments resulting from covered claims.

Public liability insurance policies typically have certain exclusions or limitations. Common exclusions in general liability insurance may include:

  1. Professional Services: Public liability insurance does not typically cover claims arising from professional services provided by businesses. Professional liability insurance (also known as errors and omissions insurance) is designed to cover such claims.
  2. Intentional Acts: Claims resulting from intentional acts or willful misconduct are typically excluded from public liability coverage.
  3. Employee Injuries: Public liability insurance does not cover injuries to employees. Workers’ compensation insurance is specifically designed to provide coverage for employee injuries or work-related illnesses.
  4. Auto Accidents: Public liability insurance does not cover accidents or damages related to vehicles. Commercial auto insurance is necessary to cover such risks.
  5. Pollution: Pollution-related claims are typically excluded from public liability policies. Businesses requiring coverage for pollution risks should consider specialised pollution liability insurance.

WHO NEEDS

This Type of Cover

Public liability insurance is important for a wide range of businesses across various industries. Here are some examples of businesses that typically need public liability insurance:

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Public Liability Insurance

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