There are many areas where your business is exposed to risks. A Public Liability policy can cover you for the following:

• Injury to any person
• Loss of or damage to property
• Obstruction, nuisance, trespass or interference with, rights of way, of air, light, water or others.
• Wrongful detention, imprisonment, eviction, arrest, or invasion of the right to privacy.

The standard policies usually extend to cover UK , Northern Ireland, the Channel Islands and the Isle of Man, although we can place cover worldwide including USA and Canada with UK jurisdiction and in some cases we can place public liability risks with worldwide cover outside the jurisdiction of the UK.

A public liability policy can be extended to also cover the following:

• Health & Safety at work - legal defence costs
• Motor contingent liability
• Movement of obstructing vehicles
• Leased, hired or rented premises
• Cross liability
• Car park and Cloakroom liability - i.e. where a car or personal belongings of a person are held in trust by you or in your custody or control
• Data Protection Act - liabilities arising under the Data Protection Act to pay compensation for damages or distress
• Consumer Protection Act - legal costs & expenses
• Bona-fide sub-contractors
• Defective Premises Act
• Product Liabilities

So a Public Liability policy clearly helps you or your business protect against a vast number of possible exposures.

 

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