Public Liability Insurance ~ Insurance Academy

Public Liability Insurance is often referred to as Public Liability insurance. This insurance covers claims from third parties for: body injury and/or property damage which caused by the insured’s business operations. The insurer will be liable to the extent of its liability and legal fees and costs – generally added to the above limit of liability.

There are some standard exceptions in public liability, namely:

• Care, custody and control
• Contractual Liability
• Cost of rectifying defective work
• Damage to Insured’s conveyance
• Deliberate acts
• Injury to employee
• Insured’s property
• Product liability
• Professional Liability
• Radioactive
• Terrorism
• war

This policy is an all risk policy. As long as it is not stated as an exception, the warranty applies.