Public Liability Insurance

Introduction

The Public Liability Policy is designed to protect the insured in respect of his legal liability to pay compensation for accidental bodily injury to or accidental damage to the property of members of the public caused by or through the negligence of the insured or his employees or by defects in the premises and includes legal charges and expenses. All firms and business enterprise have a need for this cover and it is important that the proposer selects an adequate limit as substantial claims can arise.

The position should be fully explained to all proposers, especially those requesting limits which are obviously not adequate. However, it is prudent to let the proposer select the amount himself.

Scope of Cover

a) Accidental bodily injury to any person not being a member of the insured's household or any person in the services of the insured.
b) Accidental damage to property not belonging to or in the custody or control of the insured.
c) Any legal expenses incurred by the insured in defending legal proceedings with the Company's written consent.

Territorial limits

In the absence of any specific indication it is to be presumed that the activity is being carried out at the insured's premises only. If the employees are working away then details of places where they work should be given.

For further information about this product, please contact our nearest branch and our customer service staff will gladly assist you.