Public Liability

People make mistakes and accidents happen.
But sometimes, the damage is worse than others and people can get hurt.

What is Public Liability?

Public Liability (PL) covers the cost of claims arising from your business activities whereby legal liability to third parties such as personal injuries or property damage is indemnified. When businesses come into contact and have interactions with the general public, there comes a risk; employees can be negligent or your premises may have a defect, For example, an object from your property may fall on your customer, causing multiple injuries. A PL policy can help in terms of treatment fees.

What does Public Liability Insurance cover?

PL covers claims for the following situations whereby negligence during business operation or defects in premises can cause:

  • Loss or damage to property of third party
  • Injury (including sickness) of third party
  • Legal fees, defence cost and other associated costs 

How important is Public Liability Insurance?

PL can serve as an attraction for partners and customers for service usage. If a customer, visitor or any third party suffers an injury or their property gets damaged from your business operations, the insurer can help with compensation. Without PL coverage, you run the risk of not only both the public’s and your business’ safety, but also other legal liabilities that may come your way.

Who needs Public Liability Insurance?

Although it is our notion that all businesses need a PL policy, it is especially vital for organizations who have interactions with third parties. You will not want your business to inadvertently inflict injuries or cause property damage. It also shows an ethical duty of care as it demonstrates you are carrying out all the necessary precautions for both the public and business’ safety.


How much does a Public Liability Insurance policy cost?

There are a number of different factors that are taken into account when determining the price of a PL policy. Although insurers may request for additional information, the following are the main points that insurers require in establishing the premium:

  • Turnover
  • Industry
  • Number of employees
  • Geographic location
  • Limits and deductibles
  • Claims history
  • Risk management policies


At CHAZ, not only do we provide value for money in our proposals, we also advise on the avenues our clients can take to reduce the chance of a claim occuring. However, should a claim occur, our team can simplify the process so you can feel at ease.

Important Disclosure

The content provided is for informational and educational purposes only. The coverage written may change without notice and may not be applicable to all situations and policies. Terms, conditions and qualifications are also subject to circumstance, supplementary material and underwriting. CHAZ Insurance Brokers Ltd. is not liable for any discrepencies should there be any. For more information, please contact us via the enquiry form below.

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