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.
- Summary
- What is Covered
- What is not Covered
- Requirements
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