Public Liability Insurance

Operating a business involves a variety of interactions with people and property, each carrying its own set of risks. From accidental injuries to unexpected damage, even a minor incident can result in costly claims and harm your reputation.

Although it may not be your fault or intention to cause harm to others, accidents can happen. Being adequately prepared ensures you are ready to manage the potential consequences and protect yourself from unexpected liabilities.

What is Public Liability Insurance?

As a business owner, you have a duty of care to any third party that is associated with the business and its activities. Therefore, Public Liability Insurance is highly recommended for all business types across every industry.

Public Liability Insurance protects you and your business against the financial risks of being found liable for a third party death or injury, loss or damage to property or economic loss resulting from your negligence.

A Public Liability policy typically covers:

• Legal representation costs incurred during the settlement of a claim
• Injury or damage to a third party caused by your business' activities
• Damage caused by your business to someone elses property
• Loss and damage of goods

In addition to Public Liability Insurance, if you own a business that sells or delivers goods you may also want to consider getting Product Liability Insurance. Product Liability Insurance is suitable for people and businesses that supply products to customers. It protects you in the event that your goods or products cause personal injury, death or damage to a member of the public. This could include customers, suppliers, delivery drivers, clients etc.

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