Public Liability Insurance

Whether you operate a small local shop, a growing startup, or a large corporation, unexpected incidents—such as customer injuries, accidental property damage, or legal claims—can happen at any time.

Public Liability Insurance is designed to protect your business against claims of third-party injury or property damage resulting from your operations. From small business owners and independent contractors to large enterprises, having the right public liability cover ensures you’re financially safeguarded against costly legal expenses and compensation claims in the event of an accident.

What is Public Liability Insurance?

As a business owner, you have a duty of care to any third party that is associated with the business and its activities. Therefore, Public Liability Insurance is highly recommended for all business types across every industry.

Public Liability Insurance protects you and your business against the financial risks of being found liable for a third party death or injury, loss or damage to property or economic loss resulting from your negligence.

A Public Liability policy typically covers:

• Legal representation costs incurred during the settlement of a claim
• Injury or damage to a third party caused by your business' activities
• Damage caused by your business to someone elses property
• Loss and damage of goods

In addition to Public Liability Insurance, if you own a business that sells or delivers goods you may also want to consider getting Product Liability Insurance. Product Liability Insurance is suitable for people and businesses that supply products to customers. It protects you in the event that your goods or products cause personal injury, death or damage to a member of the public. This could include customers, suppliers, delivery drivers, clients etc.