Public Liability Insurance can be relevant for Defence Contractors and Consultants where their activities create a risk of causing personal injury or property damage to another party.

When can Public Liability be relevant? #

Examples include where the business:

• Attends Defence facilities.
• Works at military bases.
• Visits client premises.
• Performs installation or maintenance.
• Undertakes testing.
• Works on construction sites.
• Uses equipment at third-party locations.

What can Public Liability cover? #

Depending on the policy, it can respond to certain claims involving:

• Third-party personal injury.
• Third-party property damage.
• Associated legal defence costs.

The policy remains subject to exclusions, limits and conditions.

What limit is required? #

There is no single limit applying to every Defence Contractor.

Contracts frequently specify minimum Public Liability limits.

The appropriate limit should be considered against:

• Contract requirements.
• Activities.
• Work locations.
• Project size.
• Potential severity of a claim.

Is Public Liability the same as Professional Indemnity? #

No.

Public Liability primarily deals with certain personal injury and property damage liabilities.

Professional Indemnity Insurance addresses certain claims arising from professional advice and services.

Many Defence Contractors require both.