Public Liability Insurance can cover certain legal and defence costs arising from an insured Public Liability claim.

What costs can be included? #

Depending on the policy and circumstances:

• Solicitor and barrister fees
• Court or tribunal costs
• Expert reports
• Investigation costs
• Defence of an insured allegation
• Approved settlement negotiations

Compensation or damages for which the insured becomes legally liable can also be covered separately under the applicable policy terms.

Does it cover every legal dispute? #

No.

Legal costs are not insured simply because the business becomes involved in a dispute.

Public Liability generally requires an insured claim involving matters such as third-party personal injury or property damage.

It may not cover legal costs arising solely from:

• Contractual disputes
• Payment disputes
• Professional advice or design errors
• Employment disputes
• Criminal proceedings
• Unrelated regulatory investigations

What about defence costs and the policy limit? #

Depending on the policy, defence costs can be:

• Included within the liability limit
• Payable in addition to the limit
• Subject to other restrictions

An excess can also apply.

Do not admit liability, agree to a settlement or appoint legal representatives without first notifying Webber Insurance and obtaining the insurer’s approval where required.

Email [email protected] or use our Claims page.