General Insurance

Public Liability

Indemnifies the insured against sums they become legally liable to pay for damages to third parties.

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IRA Regulated 48hr Claims 24/7 Support Since 2018
What's Covered

Policy Overview

Indemnifies the insured against sums they become legally liable to pay for damages to third parties.

Benefits covered:

Benefits Covered ✓
  • ✔ Accidental death to a third party
  • ✔ Accidental bodily injury to a third party
  • ✔ Illness to a third party
  • ✔ Loss or damage to third-party property
  • ✔ Legal costs and expenses to defend or awarded against the insured
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Quick Summary

Public Liability Insurance protects you against financial loss. Contact our team for a personalized quote and policy details.

Documents Required
  • Completed Proposal Form
  • Copy of National ID
  • Other documents as applicable
How It Works

Claims Process

We resolve claims within 48 hours on average.

1
Report the Incident

Call our 24/7 helpline or email us immediately.

2
Submit Documents

Provide your claim form, photos, and policy details.

3
Assessment

Our assessors evaluate and verify coverage within 24 hours.

4
Approval & Settlement

Your claim is approved and payment arranged promptly.

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FAQs

Frequently Asked Questions

What does Public Liability insurance cover?
It covers your business against claims from third parties (public/customers) for bodily injury or property damage caused by your business operations.
If a customer slips and falls in my shop, am I covered?
Yes, slip-and-fall incidents on your premises are the most common claims covered under Public Liability.
Does this cover damage to property I am working on?
No, standard policies exclude "property being worked upon." If you are a plumber fixing a sink, the sink itself isn't covered, but the floor you flooded is.
Are my employees covered if they get injured?
No, injuries to your own employees are strictly covered under WIBA and Employers Liability, not Public Liability.
Does this cover off-site operations?
Yes, if declared, it covers injuries or damage caused by your employees while working at a client's premises.