Public Liability Insurance can cover certain legal liabilities arising from third-party personal injury or property damage connected with insured business activities.

Personal injury #

Examples can include allegations involving:

• A customer slipping at your premises
• A visitor being injured at a worksite
• A member of the public being injured by equipment or materials
• An incident occurring while employees are working at a client’s premises

Property damage #

Examples can include:

• Accidental damage to a client’s property
• Water damage caused during work
• Damage to neighbouring or surrounding property
• Damage caused by equipment

What about defence costs? #

Depending on the policy, cover can also include certain:

• Legal defence costs
• Investigation costs
• Expert costs

associated with an insured claim.

These costs can arise even where liability is disputed.

What does Public Liability not automatically cover? #

Public Liability Insurance should not be assumed to cover every business exposure.

Separate insurance or exclusions can apply to matters such as:

• Professional advice or design
• Damage to your own property
• Registered motor vehicles
• Employee injuries and Workers Compensation
• Cyber incidents
• Construction works
• Asbestos
• Pollution
• Contractual liabilities extending beyond ordinary legal liability

Public Liability is also commonly arranged alongside Products Liability.

You can read more about Products Liability Insurance.

Contact our team if you need help reviewing your Public Liability requirements.