Public Liability Insurance

Public Liability Insurance covers the policyholder in connection with the declared business activities, it provides legal liability to pay damages to members of the public for:

  • Accidental bodily injury, death or disease
  • Accidental loss of or damage to material property

Limit of Indemnity: £1,000,000; £2,000,000 or £5,000,000. (other limits available upon request)
Extensions generally include:

  • Legal costs and expenses – to defend any claim and solicitors fees for representation at court proceedings
  • Health and Safety at Work Act defence costs – but not fines or penalties
  • Liability for damage to leased or rented premises
  • Overseas Personal Liability – personal liability of directors, partners, employees and spouses while temporarily overseas on business
  • Products Liability – covers liability for goods supplied as part of work undertaken subject to certain exceptions
  • Defective Premises Act – the policyholder’s liability under the Act – but not the costs of remedying defects
  • Indemnity to Principals and Plant Owners
  • Contractual Liability – covers the policyholders Public Liability assumed under contract or agreement – subject to certain limitations
  • Cross Liabilities – indemnifies each party shown as the Insured as though a separate policy had been issued to each
  • Motor Contingent Liability – covers liability for business use of other people’s motor vehicles if no other cover is in force