Public liability insurance is a type of insurance policy that provides protection to individuals and businesses against claims for compensation from third parties. It covers legal costs and compensation payments if someone outside of the business, such as a customer, supplier, or member of the public suffers an injury or has their property damaged because of the business’s activities.

Any individual or business that interacts with the public, such as retailers, S.M.E’s, restaurants, contractors, and event organizers, should consider public liability insurance to protect against potential liability claims.

Yes, public liability insurance covers legal costs.

• Injury to employees of the Insured (workers compensation).
• Any vehicle which is required by law to be registered (motor vehicle).
• Property damage to property owned by the insured other than premises leased or rented to the insured.
• Liability arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste.
• Liability in consequence of war, and related perils.