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Casualty Lines

Public Liability

Covers legal liability to third parties for death, bodily injury, or property damage at your premises.

Overview

Public Liability insurance is designed for professionals who interact with customers or the public. It protects against claims of personal injury or property damage that occur at your place of business.

1Who needs this?

Retail Shops
Restaurants & Cafes
Office-based businesses
Event Organizers

What it covers

  • Slip and fall accidents
  • Damage to a customer's property
  • Legal defense costs

What is NOT covered

  • Employee injuries
  • Professional advice
  • Motor vehicle accidents

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Restaurant Spillage

"A customer slipped on a wet floor in a restaurant that wasn't properly marked. The customer sustained a back injury. The Public Liability policy covered the medical bills and compensation."

Frequently Asked Questions

Is this the same as CGL?
CGL is broader. Public Liability is often a component of CGL or a standalone policy for smaller businesses.
Does it cover events outside my office?
Standard policies cover your premises. If you host an event elsewhere, you may need an 'Off-Premises' extension.
What is the 'Limit of Indemnity'?
This is the maximum amount the insurer will pay for a single claim or in total during the policy period.
Does it cover food poisoning?
For restaurants, 'Food & Drinks' extension is critical to cover liability arising from food poisoning.
Is it mandatory for retail shops?
While not always legally required, most shopping mall landlords make it a mandatory condition of the tenancy agreement.

Other Insurance Solutions

Product Liability

For manufacturers, importers, and distributors against claims of injury or damage caused by products.

Learn More

Employee Liability

Protects employers against legal liability for injuries or diseases sustained by employees during their employment.

Learn More

Employee Benefits

Comprehensive group insurance schemes including medical, life, and personal accident for your workforce.

Learn More
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