When planning the continuity of your business, it’s important you are aware of what your insurance policy covers. Every policy differs, but below are some typical inclusions for a Public Liability policy.
Some things you may be covered for:
- Cover for others that may be acting on behalf of your business when the incident occurred
- First aid expenses at the time of an incident
- Injury to others who sustain injury whilst visiting your premises
- Legal costs incurred in the defence or settlement of a claim
- Loss or damage of goods – which are in your care custody or control which you do not own
- Loss or damage of someone else’s property that occurs while performing your service
What Are Some Of The Things Public Liability Doesn't Cover Me For?
- Aircraft products
- Employer’s responsibility for injured workers (workers compensation)
- Gradual pollution
- Liabilities assumed under contract which you would not be liable for at common law (that is if you enter into a contract which assumes the liability of others, if the law would not consider this your liability had you not signed the contract)
- Liquidated damages
- Products recall
- Punitive damages (damages awarded where a judge believes you acted so badly that extra damages are awarded)
Cover is subject to the policy terms and conditions. Please read the Policy wording before purchasing Public Liability insurance.