Public Liability  
The Public Liability policy is designed to protect the Insured in respect of his legal liability to pay compensation for accidental damage to the property of members of the public caused by or through the negligence of the Insured or his employees or by defects in the premises and includes legal charges and expenses. All firms and business enterprises have a need for this cover and it is important that the proposer selects an adequate limit as substantial claims can arise.


  • Accidental bodily injury to any person NOT being a member of the insured’s household or any person in the services of the insured.
  • Accidental damage to property NOT belonging to or in the custody or control of the Insured.
  • Any legal expenses incurred by the Insured in defending legal proceedings with the Company’s written consent.

The following liabilities can arise in any firm and/or business enterprise: -

  • Negligence
  • Breach of statutory duty
  • Occupier liability
  • Nuisance
  • Trespass

What is negligence?

  • The existence of a legal duty to exercise due care on the professional
  • The duty is breached
  • As a result loss or injury caused

Occupier’s Liability

  • Any person who has occupation or control of any premises, owes a duty of care to visitors/trespassers
  • To ensure that the premises are safe


  • Interference with the right of a person to enjoy his land
  • Or causing harmful things to get onto another man’s land