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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. This includes the legal liability to third parties arising out of personal injuries, property damage or advertising liability.

How Does Public Liability Insurance work?

When businesses come into contact and have interactions with the general public, there comes a risk. A customer could slip and injure themselves, and a lawsuit may be filed against the business, even if there were warning signs. With PL Insurance, legal costs and damages can be covered up to the limit of the policy.

Why is Public Liability Insurance important?

PL is potentially the most important policy you have. Not only does it pay out claims, it also acts as an attraction for partners and customers to use your service. If a customer, visitor or any third party suffers an injury from your business, the insurer can help with compensation. Without PL coverage, you run the risk of both the public’s and your business’ safety.

What does Public Liability Insurance cover?

PL covers claims for the following situations:

  • Loss or damage to property
  • Legal fees and claims related loss
  • Injury or damage to third party
  • Others acting on your behalf

Who needs Public Liability Insurance?

Although it is our notion that all businesses need PL, 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 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 is 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 proposals, we also advise on the avenues our clients could take in reducing the chances claims occuring. However, should a claim do 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 not be applicable to all situations and policies. Terms, conditions and qualifications are also subject to circumstance and supplementary material. For more information, please contact us via the enquiry form below..

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