Public Liability

Public Liability responds when your business is held legally responsible for bodily injury or property damage caused to third party. It is not a risk reserved for shops, restaurants or offices that welcome the public, a factory, a workshop, a warehouse, a logistics site, a professional practice, or a contractor working on someone else’s premises carries exactly the same exposure, the moment its people, its vehicles, its equipment or its products cause harm to a visitor, a neighbour, a supplier, or another company’s staff. In practice, this exposure exists for virtually every type of business, regardless of sector or size.

Legal defence costs, compensation awards and medical expenses can escalate quickly and outpace what most businesses can absorb from cash flow alone. Public Liability transfers that risk to the insurer, and is included as standard in the business packages we design — from a single retail unit to an industrial site.