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?

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