Public Liability – The Heritage Insurance Company Tanzania Limited

Public Liability

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Public Liability Insurance helps cover Business owners if they become liable to pay compensation to a third party for damage to their property or injury to them.

Defined Events:

Our Public Liability Insurance Policy covers damage caused by:-

  • Third-party injury
  • Third-party property damage.
  • Legal fees
  • Damage to property in your care

What is covered by Public Liability Insurance?

The risk may involve:-

  • Third-party injury
    Claims arising from the injury (and associated medical costs) of members of the public at your business premises or in relation to your business activity.
  • Third-party property damage
    Claims arising from the damage to someone else’s property, whether it’s a physical premise (such as a building) or an item they own as a result of your business activity.
  • Legal fees
    Reasonable cost of legal fees and expenses associated with defending a claim made against you, even if you’re not at fault.
  • Damage to property owned by you
  • Contractual liability
  • Professional advice
  • Faulty workmanship
  • Fines and penalties
  • Employers liability
  • Asbestos
  • Product guarantee or warranty
  • Drones


Requirements for cover are:

  • Premium Payment
  • Duly Completed Proposal Form
  • Copy of ID
  • Copy of TIN
  • Tin Number
  • VRN or ZRB number