Public Liability Insurance covers you against your legal liability in connection with your business to pay compensation and claimants costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability.
Public Liability Insurance covers the cost of compensation to customers and members of the public for death and injury, or damage to their property, which is caused by either you or your employees’ negligence whilst acting in connection with your business activities.
It also provides cover for the legal fees, costs and expenses that are incurred in connection with the defence of any claim made against you, together with the costs and expenses that can be incurred for your representation at any coroner’s inquest or fatal accident inquiry in respect of death, or at proceedings in any court in respect of any alleged breach of statutory duty resulting in injury or damage.
Essential Business Insurance is arranged and underwritten by Allianz Insurance plc
Provides cover against your legal liability to pay compensation and claimant's costs and expenses in respect of accidental injury to any person and damage to material property arising out of the ownership of your property.