Public liability insurance for businesses
Protection against covered third-party bodily injury and property-damage liability arising from business operations or premises.
Start with the business behind the policy
A visitor, neighbour, customer or member of the public can suffer injury or property damage connected with business operations. Public liability insurance can respond to covered legal liability and defence costs, subject to wording and limits.
The right structure depends on premises, footfall, processes, hazardous substances, contracts and the geographical scope of operations.
Who should review this cover
- Manufacturers and process industries
- Hotels, malls and public venues
- Contractors working at client sites
- Warehouses and logistics facilities
- Schools, hospitals and institutions
- Businesses with hazardous operations
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Covered third-party bodily injury
- Covered third-party property damage
- Legal defence costs subject to terms
- Premises and operations as declared
- Extensions selected for specific exposures
- Statutory public-liability requirements where applicable
The details worth a closer look
- 01
Pollution and gradual contamination exclusions
- 02
Product-related claims requiring product liability
- 03
Contractual liability beyond ordinary law
- 04
Territory and jurisdiction restrictions
- 05
Per-event and aggregate limits
- 06
High-hazard activity declarations
When you need support
- Preserve evidence without admitting liability
- Notify the insurer when an incident or demand arises
- Coordinate legal, technical and insurer responses
- Track defence costs, correspondence and settlement authority
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.