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Public Liability

Scope Of Cover

The insurer will indemnify the insured against sums which the insured shall in the course of the business become legally liable to pay as compensation for:

  1. Accidental death of or bodily injury to any person excluding members of the insured's family and employees in the course of employment, or
  2. Accidental damage to property excluding property owned by or in the custody or control of the insured

The event giving rise to the claim (the accident) must occur during the period of insurance. Such accidents may be caused by negligent acts of the insured or employees or by defects in the premises or in the ways, works, machinery or plant.

The insurer will also pay claimant's cost recoverable from the insured and costs and expenses incurred with the insurer's consent.


The policy may be extended to cover such risks as:

  1. Away Risks
    This extension is to cater for third party liability that may arise from work carried out elsewhere than at the insured's premises (e.g. electrical installation work, plumbing, carpet laying).

  2. Defective Sanitary Installations
    This extension provides cover for liability arising in connection with defective drains, sewers or sanitary arrangements.

  3. Fire and explosion
    A fire or explosion may start at the insured's premises and affect neighbouring property causing injury or damage and the insured may be held liable. This extension gives the necessary cover.

  4. Lifts and hoists
    The potential liability arising from ownership or use of lifts and hoists may be quite high and the policy excludes the risk. The extension gives the cover. Before granting cover the insurer would want to ensure that there is proper maintenance of the plant.

  5. Sport and social extension
    This provides cover in the event of third parties being affected by the activities of the insured's social, sport or welfare organizations and the first aid facilities.

  6. Food and Drink
    The insured's liability to third parties caused by or attributable to food and drink sold or supplied or provided by the insured is covered by this extension.

The above explanations give a summary of the type of cover available. For full details, including the exclusions and conditions that apply, please contact us at any of our offices.


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