What is Public & Employers' Liability Insurance?
Public & Employers' Liability insurance covers against third party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property.
Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a claim against you.
The most likely claims you’ll make through your corporate liability insurance will result from accidents such as slips and falls. Statistically, nearly half (48%) of all liability claims stem from such accidents.*
Engaging a broker who knows your industry and takes the time upfront to truly understand your business can result in more comprehensive cover at a highly competitive price that covers all the third-party risks you face.
What's covered in a Public & Employers' Liability policy?
We work with our clients to tailor a policy that meets the requirements of their business, sector, and territory. That means that we can understand our clients’ exact risk profiles, and create a policy that offers comprehensive coverage.
Our Public Liability policies cover our clients in the event of:
- Bodily injury
- Personal injury (such as through defamation or slander)
- Property damage
- Data loss
- Legal defence
Who needs Public & Employers' Liability Insurance?
Any business that deals with clients face-to-face, especially if they visit your premises, or you work using their infrastructure or equipment, for example, if you are an IT contractor.
Public Liability really does affect every business entity and everyone who comes into contact with it.
Risk profiles vary by sector
Speak to a sector specialist today