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.
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.
A customer falls down the stairs at your business, breaks their ankle and files a lawsuit. Excludes employees.
You accidentally damage a client or customer’s property.
An employee bad-mouths a client online and the client sues you.
You need an attorney to defend your business in a lawsuit after a claim.
Someone (excluding employees) gets injured and asks you to pay for medical expenses.
You're sued for copyright infringements on an image used in your advertising.
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.
Public liability insurance typically includes coverage for the following:
Public liability insurance policies typically have certain exclusions or limitations. Common exclusions in general liability insurance may include:
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:
Musicians, artists, and performers may need coverage for events or performances where the public is present.
Those organising events, whether they’re small gatherings or large festivals, could be held liable for accidents or injuries that occur during the event.
Daycare centres, schools, and educational institutions may require coverage for accidents or injuries that occur on their premises.
Companies providing cleaning or maintenance services at client locations may face liability for property damage or accidents.
Builders, plumbers, electricians, and other tradespeople may work on client premises, exposing them to the risk of property damage or injury.
Personal trainers, yoga instructors, and gym owners might need coverage for injuries that occur during fitness sessions.
Restaurants, cafes, and catering businesses often have customers on their premises, increasing the risk of accidents or food-related incidents.
Medical offices, clinics, dentists, and other healthcare providers need public liability insurance to safeguard against potential claims resulting from patient injuries, slips, falls, or allegations of professional malpractice.
Shops and stores where customers can visit may face slip-and-fall accidents, among other potential liabilities.
Owners of commercial properties may need coverage for accidents that happen on their premises.
Companies producing or selling products might face claims related to product defects, causing harm or damage.
Consultants, advisors, and other professionals who provide services at client locations could benefit from liability coverage.
Companies organising tours and excursions might need coverage for accidents or injuries that occur during the tours.
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