Protects your business against claims resulting from accidents or injuries that occur as result of your business activities, as well as damage to property owned or controlled by someone else which also occurs as result of your business activities.

Do I need Public Liability Insurance?

As a business owner you are accountable to third parties that come into contact with your business – including customers, suppliers and anyone else who may be involved with your business. If damage or an accident occurs while you’re carrying out your business, the impacted person may take legal action against your business, which can result in costly legal fees as well as the obligation to pay for the damage or injury you may have caused.

If you work with clients or customers, in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products; public liability insurance can assist you against potentially costly personal injury or property damage claims.

What does Public Liability Insurance cover?

  • Legal costs

Public liability covers the legal costs incurred in the defence or settlement of a liability claim.

  • Damage to property owned by a third party

Covers the costs of physical loss, destruction, or damage to tangible property of third parties during the course of your business operation.

  • Injury to a third party

Covers the costs of injuries to third parties, as well as expenses incurred by you for injuries due to your business operations.

  • Loss or damage of goods in your care

Cover for loss or damage of goods which are in your care, custody or control, which you do not own.

  • Others acting on your behalf

Liability arising out of damage caused from the act of others acting on your behalf.


For a full list of what is covered or to have a conversation with an Insurance specialist please email