Public Liability Insurance
Public Liability Insurance protect individuals and businesses against financial losses resulting from third-party claims for bodily injury or property damage arising from their business operations or activities.
It provides coverage for legal liabilities and associated costs incurred if a member of the public suffers injury or property damage due to the insured’s negligence.
Add-On
Product Liability Coverage - Extends coverage to include liabilities arising from defective products manufactured, sold, or distributed by the insured.
Professional Indemnity Coverage - Offers protection against claims for financial loss or damages resulting from professional negligence or errors in professional services provided by the insured.
Advertising Liability Coverage - Covers liabilities arising from defamation, libel, slander, or copyright infringement in advertising or marketing materials.
Exclusions
1. Deliberate or intentional acts of the insured that result in injury or property damage are typically excluded from coverage.
2. Liabilities assumed by the insured under contract, unless expressly covered in the policy, may be excluded.
3. Damage or injury caused by pollution or environmental contamination are excluded, although some policies offer limited coverage for sudden and accidental pollution.
4. Damages or liabilities resulting from acts of war, terrorism, or civil unrest.