It is a policy that provides indemnity to third parties for accidental death, bodily injury, illness or loss/damage. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities. Public liability insurance is designed for professionals who interact with customers or members of the public.
It safeguards your business by providing cover against personal injury or property damage claims, including legal defense costs. Therefore, you can confidently go about your work, knowing you’re protected if something goes wrong.
If you work with clients or customers, or in public spaces, it’s important to protect your business against claims of damage or injury.
Public liability insurance only covers claims made by external parties, not those made by your own employees. It protects your business against a wide range of circumstances, including but not limited to:-