Yes. Public Liability Insurance can commonly be included as part of an Office Insurance or Business Insurance package.

The section needs to be selected and shown on the policy schedule.

What can Public Liability cover? #

It can respond to certain claims alleging that the business caused:

• Third-party personal injury.
• Third-party property damage.

For an office-based business, examples can include a visitor alleging they were injured while attending the office.

Does the landlord’s insurance cover my business? #

Do not assume so.

The landlord may insure its own building and liability exposure.

That does not necessarily insure the tenant business for claims arising from its own activities.

Can the lease require Public Liability Insurance? #

Yes.

Commercial leases commonly require tenants to maintain a specified amount of Public Liability Insurance.

The required limit should be checked before arranging the policy.

Does Public Liability cover professional advice? #

Generally not.

Where the business provides professional advice or services, Professional Indemnity Insurance should be considered separately.

What if clients never visit the office? #

Public Liability can still be relevant.

Employees may:

• Attend client premises.
• Visit project sites.
• Attend meetings.
• Participate in exhibitions or events.

The full activities of the business should be disclosed rather than considering only the physical office.