Insurance Solutions
Public Liability
Protection against legal liability to third parties for bodily injury or property damage arising from your business operations.
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Public Liability Insurance protects your business against claims from third parties — customers, visitors, or the general public — for bodily injury or property damage arising from your business operations.
Good to know
Public Liability protects against third-party claims — it does not cover your own property or your own employees. Exact scope, limits, and exclusions follow the policy terms and insurer assessment.
What's covered
- Bodily injury to a third party — for example, a customer slipping on a wet floor, or a visitor injured at a work site
- Accidental damage to third-party property — for example, a contractor damaging a client's property while on a job
- Legal defence costs if a claim leads to legal action
- Compensation payments if your business is found liable
Especially relevant for
- Construction companies — site accidents and damage to neighbouring property
- Event organizers — accidents at a venue, including damage to rented spaces
- Retail businesses — customer injuries in-store or in a car park
Typically excluded
- Injuries to your own employees (usually covered separately under employer's liability)
- Damage to your own business property
- Intentional damage caused by the business
- Professional negligence or advice-related claims (needs separate professional indemnity cover)