What is Public Liability Insurance?

Public Liability Insurance

Public Liability insurance protects you if a 3rd party (a member of the public) sues your business alleging that your negligence caused them some type of bodily injury, death or property damage. The most common accident that can result in this type of claim is a ‘slip and fall’.

When you are subject to a legal action, you would notify your insurance company and they would appoint a lawyer to defend you and pay costs and legal fees associated with the lawsuit.

This includes any expenses that you incur in order to assist with the defence such as lost wages from missed work or transportation costs to get to and from court. On top of these supplementary costs, they would also pay for any judgements awarded by the courts against you up to but not exceeding your chosen limit of insurance.

What is covered?

This insurance is a great insurance for business that deal with customers that come into the working space and are reliable for the customers safety, As Public Liability insures .

  • Sums you’re legally liable to pay to a 3rd party for bodily injury or property damage
  • All costs and expenses incurred for defending any claims against you

Although Public Liability  DOES NOT cover :

  • Bodily injury or property damage to you or your employees would not be covered as you’re not technically considered 3rd parties. To get this coverage, you should look at Personal Insurance or Employees Compensation Insurance.

What should you know?

It is important to understand the public liability, to protect your business from any public claim or court cases, although you must know:

  • The insured business in a public liability insurance policy needs to be defined well to ensure that the policy covers all the range of services that your company provides. When creating or updating your public liability insurance policy.
  • For example, if your policy defines you as a builder but you also do commercial hiring, then your business may not be fully covered and could require a separate insurance policy.
  • The public liability insurance policy should also cover any liabilities to subcontractors and their workers or their actions

Good to know!

Public Liability in Hong Kong is one of the section of Office/Shop package and for most of businesses come free of charge with the HKD 10,000,000 limit. It can be upgraded up to HKD 30,000,000 limit for an additional premium.

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