Public and Products Liability
Public Liability and Products Liability Insurance covers your business against legal costs and compensation payments resulting from injuries or property damage to your clients, contractors or members of the public that has been caused by the negligent actions of you or your employees.
Public Liability
Public liability insurance helps protect your legal liability to third parties against injury or damage to their property caused by your business. It will generally pay the costs of investigating, defending and settling any claims that have been brought against you, as well as paying for any costs and compensation that you have been deemed liable to pay.
Products Liability
Products liability is designed to protect your business if you are sued as a result of a product you have manufactured, sold, assembled or supplied having caused damage or injury to a third party. It can provide cover for the costs of investigating and defending your business against a claim made against you and your product. It can also cover the cost of any damages awarded to a customer if your business is found to be at fault.
Who is it for?
All businesses and property owners should have Public and/or Products Liability insurance to protect their business from unforeseen accidents and incidents.
Even if you are not liable, in an increasingly litigious world the costs of investigating and defending the claim could be significant.
You may require a specific limit of liability to operate your business to meet specific contracts such as leases or legislative requirements depending on your business activities and operations.