The Public Liability protects an insured person or organization against their legal liability to members of the public (third parties) arising from;

• Death or bodily injury to third parties
• Loss of or damage to third party property

Arising out of and in the course of the insured’s normal business within the premises or a defined geographical location. The policy will also cover the costs of defending any suit brought against the insured (defence costs), in addition to any award that may be made against the insured by a court of law.

The insured chooses a limit of cover, which in their opinion is adequate to protect themselves against any lawsuits. In determining this limit, consideration will be made by the insured of the nature of their operations/business, type and profile of their usual guests/customers and the degree of hazard/exposure posed by their premises/operations to third parties.

The policy can also be extended to include product’s liability for manufacturing concerns.
In all circumstances, negligence on the part of the insured must be proved before the policy can pay any award.

Areas covered under Liability cover are as follows:

• Public Liability:
  • Provides indemnity to third parties for accidental death, bodily injury illness or loss /damage
  • We exclude the following in regards to public liability:
    1. Product liability,
    2. Damage to property,
    3. Pollution & Contamination
• Product Liability
  • Provides indemnity against legal liability for accidental bodily injury / damage caused by the nature of product.
  • We exclude the following in regards to product liability:
    1. Political Violence and Terrorism
    2. Contamination of the product or production process