Public Liability

Public Liability Insurance

Public Liability Insurance, also known as General Liability Insurance, provides protection against a wide range of liability risks, including personal injury and third-party property damage. Public Liability is designed to safeguard your business in the event a client, customer, member of the public, or any form of third-party were to suffer a loss or injury during the course of your business. Typically, coverage for Public Liability includes legal fees, repair of damage, loss of earnings, and other inconveniences caused by the accident.


Public Liability protects you and your business from any unforeseen accidents involving the general public. It is designed to provide peace of mind for your business. Any business that has any interaction with members not in their organization should consider Public Liability.

The types of businesses that should especially consider Public Liability include:

  • If customers visit your business directly and regularly (health clinic, shops, restaurants)
  • If you work at client businesses or homes (information technology, surveyor, architect)
  • If you work in public (construction builder)
Benefits / Highlights
  • Protection against unforeseen accidents
  • Protection against and for third-parties visiting your business
  • Legal responsibility in the case of certain industries
Uses for Public Liability Insurance

No matter how low-risk your business may be, accidents happen. Something as small as a loose carpet can result in a lawsuit that leads to the closure of your business. If this does happen, even if you are successful in defending the case, the costs to your business can be catastrophic. That is why it’s important to have Public Liability Insurance, to give you and your employees peace of mind and allowing you to continue business.


The coverage for Public Liability Insurance is often misunderstood. It is important to keep in mind that Public Liability will not cover the following:

  • Accidents that happen to you as the business owner
  • Accidents or injuries to your employees
  • Defense against defamation charges
  • Costs for professional liability lawsuits

Although Public Liability isn’t typically required to commence business, it is necessary in some scenarios. The following are scenarios where you may require Public Liability Insurance:

  • If you are applying for a business loan
  • If you are leasing property
  • If you are holding an event open to the public or on public property
  • AIG
  • AXA
  • Chubb
  • Liberty
  • Zurich