Public Liability Insurance Policies

Generally speaking a public liability insurance policy will not cover the following events.

Public liability insurance policies. In many countries liability insurance is a compulsory form of insurance for those at risk of being sued by third parties for negligence the most usual classes of mandatory policy cover the drivers of motor vehicles vehicle insurance those who offer professional services to the public those who manufacture products that may be harmful constructors and those who offer employment. Public liability insurance covers the cost of claims made by the public that happen in connection with your business. Businesses typically choose general liability insurance rather than public liability insurance since it s more comprehensive. The coverage under public liability insurance or third party liability coverage is extended for industrial risks non industrial risks all business units dealing with hazardous substances etc.

If you employ members of staff even if they re temporary students or interns you ll need employers liability insurance to cover any claims made by them. Public liability insurance covers you against claims made by members of the public for damages or injury caused by your business or on its property. Public liability insurance may be a confusing concept at first but by researching precisely what liability insurance covers you can find out just how much cover you should take out to safeguard your business in. It is therefore prudent to take out liberty s public liability insurance to cover your legal liabilities to the public for any accidental death injury and or loss of or damage to property arising from your operations.

It helps to cover the costs for personal injuries loss or damage to property and death. All public liability insurance policies will have a range of exclusions. Public liability insurance coverage. Check the levels of protection on offer as well as the annual premiums and consider carefully where you should set your excess.

Some of these are common to all policies whilst others are unique to specific policies. Any deliberate act to cause damage or injury. Public liability insurance is the most common type of insurance taken out by small businesses but with a range of cover options available it s just as well suited to larger firms. To enjoy more comprehensive protection this policy can be extended to cover other legal expenses arising out of.

As with any form of insurance it s important to compare a variety of public liability insurance policies from different providers before buying. Subject to policy terms conditions and exclusions.