Public Liability

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Public Liability:
Under this Section, the Insured is indemnified against claims which the Insured is legally liable to pay in the event of:
  1. Injury or death arising out of insured's business activities or operations
  2. Loss or Damage of third party property arising out of insured's business activities or operations 
  3. Legal defence costs and expenses incurred in defending the claim.

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