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:
- Injury or death arising out of insured’s business activities or operations
- Loss or Damage of third party property arising out of insured’s business activities or operations
- 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