Public / Product Liability

All companies have a duty of care to act sensibly in their operations, but they may occasionally fail for all kinds of reasons. Simply by spilling a cup of tea on a client's laptop or bumping into a passer-by and causing injury, they can face a claim for damages. Liability insurance is designed to cover these cases. 

Public liability policies offer protection against claims arising from a company's day-to-day activities. They are generally recommended for all businesses, although they are particularly valuable for sectors such as construction and maintenance.

Public liability insurance policies are designed to protect companies against claims for injury or damage to property from clients and third parties, such as passers-by. These claims generally centre on the allegation of negligence against the policy-holder in its day-to-day operations.

Public liability policies will typically cover any compensation for injuries, property repairs and other damages. If the case goes to court, the policy should also cover the legal costs.