The Public Liability Insurance Policy is designed to protect the insured in respect of his legal liability to pay compensation for accidental bodily injury to or accidental damage to the property of the other person caused by or through negligence of the insured or his employees or by any defect in the premises owned or any defects in the ways, works of the insured. 

The Policy also pays for the litigation costs and expenses for defences that are incurred with the written consent of the Company.

All firms and business enterprises have a need for this cover and it is important that the proposer selects an adequate limit to protect their interest.  The sum insured or limit of indemnity should represent the maximum liability which the Insured estimates that this business could possibly incur.  The sum insured can be arranged on :-

a) Limit of any one accident, and,
b) Limit at any one period.

The company shall indemnify the Insured against all sum which the Insured shall become liable at law for damages and claimant’s costs and expenses in respect of :-
a) accidental bodily injury to any person not being a member of the Insured’s household or any person in the service of the Insured.
b) Accidental damage to property not belonging to or in the custody or control of the Insured.
c) Any legal expenses incurred by the Insured in defending legal proceedings with the Company’s written consent.

Extensions are available on payment of additional premium.  These extensions may include but not limited to fire & explosion, food & drinks poisoning, passenger/service lifts and escalators, innkeeper’s liability cover for hotels, car park liability clause, etc.