Public Liability Insurance is designed to protect you and your business from legal and / or medical costs that arise from an incident connected to your activities.
It protects you against the financial risk of being found liable to a third party for death or injury, loss or damage to property or “pure economic” loss resulting from your negligence. Liability Insurance is essential to every business owner.
> Products Liability
> Public Liability
> Professional Indemnity
Public Liability coverage can have up to 3 different sections:
You will generally find that you are covered in all areas as part of a standard Public Liability policy.
Example 1 – a sporting participant sustains a knee injury after tripping in a pothole on a sports field whilst participating in a game. They sue the club for failing to provide a duty of care to the participants and their playing conditions.
Example 2 – a club member is having a drink in the club house and the bar stool they are sitting on collapses from underneath them. they suffer a personal injury and sues the club for negligence.