Public Liability Insurance

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What is Public Liability (PL) Insurance?

Public liability insurance is also known as third-party liability insurance or general ability insurance. It is a commercial insurance policy that protects your business against claims made by clients or the general public. These claims may arise due to property losses or injuries suffered by third parties due to your business activities.

For Example :

Fire in your office premises can spread to adjacent buildings and damage those properties

A customer who visits your office may fall down the broken staircase and get badly injured

PL Insurance
Covered
Not Covered

What is Covered Under Public Liability Insurance?

Public Liability Insurance covers all the liabilities of the policyholder towards a third party due to the:

  • Accidental death, disease, or bodily injury
  • Loss or damage to properties due to negligence
  • Related legal expenses

So the scope of PL insurance coverage includes the following:

  • Injury to a third party on your business premises and events
  • Loss or damage to third-party properties due to your business activities
  • Transportation hazards
  • Litigation costs incurred to defend your claims in court
  • Death of third parties due to negligence

What is Not Covered by Public Liability Insurance?

General Liability Insurance will not cover the claims in the following situations:

  • Damage to your own property is covered under property insurance. It does not come under the ambit of public liability cover.
  • Loss or damage due to professional errors is covered under professional liability insurance.
  • Loss or damage due to events like war or terrorism
  • Any wilful or deliberate damage is not covered by public liability insurance policy.
  • Nuclear risk or damage due to radioactive materials
  • Fines, penalties, and statutory liabilities of the business

Who Needs General Liability Insurance?

Public Liability Insurance protects your business against third-party claims. You should buy PL insurance if you:

Own or rent a commercial property such as an office, factory, or warehouse

Work in public areas with regular public interaction

Work at the client’s premises OR get frequent client visits at your premises

Get access to the client’s assets and database

Represent your client’s business at any forum

So any business that has some exposure to third parties will need general liability insurance. It covers the legal & financial claims on your business from third parties.

Types of Public Liability Insurance

There are primarily two types of public liability insurance in UAE:

Cover for Premises Risks Only

This policy covers only the third-party claims that arise on your business premises. This could be a client who falls sick after consuming food in your cafeteria. Another example is a fire that starts from your building and also damages the neighboring ones.

Cover for All Business Activities

This policy covers all third-party claims related to your business activities. This could be damage to public properties, loss of the client’s data, or any injury to clients at your work premises. This policy provides your business with comprehensive general liability insurance.

Benefits of Public Liability Insurance

It is not mandatory to buy public liability insurance policy. But it is required to protect your business against legal & financial claims. Here are the benefits of buying.

home

Damage to Property

The policy covers your business against loss or damage to third-party properties

bodily injury

Bodily Injury

The policy covers any disease or injury to a third party who visits your business premises

personal injury

Personal Injury

The policy covers you for personal risks such as wrongful arrest, slander, libel, and negligence

law suit

Lawsuits & Settlements

The policy will cover all the legal expenses to defend your claim in a court of law

Tenant's Liability

Tenant's Liability

If you have taken the business premises on rent, PL insurance will cover any loss or damage to the rented space

marketing

Liability Arising Due to Advertising Rights

The policy covers any IPR violation by your marketing division

Why Do You Need to Buy Public Liability Insurance With Us?

Prominent Insurance Brokers offers public liability insurance at a highly affordable premium.

PIB Secure has a distinguished track record of over 20 years in the insurance sector

5000+ business insurance policies sold and 6000+ claims settled in total

The coverage limit for public liability insurance ranges from AED 500,000 to AED 100 mn

We provide unbiased advice completely aligned with the client’s needs & interests

Best premium guarantee with attractive discounts & offers

Excellent customer support to provide quick & efficient claims settlement

A leading insurance broker in UAE with access to the best insurance companies

Frequently Asked Questions On Public Liability Insurance

No. PL insurance only covers loss due to third-party claims. Property insurance covers damage to own business.

Public liability insurance is required for every business that has some exposure to people (clients and the general public)

The cost of public liability cover varies from one business to another. It primarily depends on the following:

  • The nature & size of your business
  • Industry dynamics
  • Claims history
  • Specific policy requirements

PIB Secure is one of the top insurance brokers in UAE with a distinguished track record of 20+ years. Our expert team offers unbiased and client-centric insurance advisory services We provide best-in-value policies at highly affordable premiums. We have sold over 5,000 business insurance policies and settled 6,000+ claims overall.

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