Public liability insurance protects your business against claims resulting from accidents or injuries that occur as a result of your business activities.
A public liability insurance policy includes cover for:
Injury to a third party
Provides protection against personal injury claims from a third party (customers, suppliers, or member of the public). Claim payments can include medical costs and compensation for lost income if the injured third party is unable to work for a period of time.
Damage to third party property
Covers the costs to repair or replace third party property that was accidentally damaged during the course of your business operation.
Legal costs
Covers expenses associated with investigating and defending a liability claim. If a claim is brought against your business, you will need to respond. Even if you are not found liable, the legal fees associated with your defence can be expensive.
