Public liability is a type of insurance that provides coverage for claims made against a business for injury to the public or damage to a third-party property that occurs during the business’s operations. It is designed to protect businesses against the financial consequences of accidents or incidents that occur in the workplace, at a business event, or as a result of a business’s product or services. As a business owner, you have responsibility for the safety of your customers, employees, suppliers, and the wider community, as well as third party property. Public liability insurance includes the consequences of negligence or misconduct, whether on the part of you or your workforce. The amount of coverage required will depend on the risk it takes at regular intervals; moreover, on the minimum standards set by the industry. 

Examples of accidents that lead to public liability claims

• A third party injured as a result of an unsafe environment 

• Damage to a third party’s personal property 

• Injury caused by you or one of your employees, as a result of negligence 

Who needs it

• Consultants, tradespeople or contractors that work from home, visit clients’ premises or deal with the general public 

• Any business that is involved in organising off-site events that are attended by the general public 

• Any business that operates out of an office, shop, showroom or other type of physical premises 

• Any business that interacts with customers or the general public

Covers that are typically included

• Third-party bodily injury

• Third-party property damage

• Legal Defense Costs

• Product liability