Public Liability Insurance

Liability protection for your business

Accidents can happen at any time, and businesses can be held responsible for injury or property damage caused to clients, customers, or the general public. Even minor incidents can lead to costly legal claims, settlements, or reputational damage.

Public Liability Insurance is designed to provide financial protection for businesses in the event they are legally liable for third-party injury or property damage. It helps you manage risk and continue operating with confidence.

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.

Who is it suitable for?

Retail stores | Cafes | Restaurants | Hospitality operators | Consultants | Agencies | Trades | Startups | Event organisers