Public Liability Insurance
COVER FOR PREMISES RISKS ONLY
Cover is provided only in respect of any third-party claims arising out of your premises. This could be a visitor slipping on a wet floor in your office or a Fire starting at your office and spreading to a neighbour.
COVER FOR ALL BUSINESS ACTIVITIES (INCLUDING WORK AWAY)
Cover is provided in respect of any third-party claims arising out of your business activities. This could be from damage to a client’s property while you carry out some work there or injury to public while carrying out your business in a public area.
A public liability insurance will protect your business in the event a third-party person is injured, or their property is damaged because of your business activities or on your business premises.
Public Liability Insurance Becomes A Must For Businesses Which Involve:
Typical Scope of Public Liability Insurance
Do I Need Public Liability Insurance?
If your answer is yes to any of the above, you have some level of exposure towards third parties, and it is highly recommended to have a public liability insurance to cover these risks. You may additionally be required by contract to provide proof of such an insurance cover to your clients.