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Public Liability

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This policy protects the insured against third party liability incurred in insured’s business premises to visitors. Claims are few but very large when they occur. The policy is very cheap. There are several extensions which we include in all our clients policies.

Most of liabilities occur due to disrepair of premises, polishing of floors and improper maintenance of grounds. In industrial premises it can be caused by improper protection of plant and machinery and fumes or release of injurious chemicals. The premises to be covered must be specified. It is possible to extend the policy to cover products liability.

The policy can be extended to cover food and drink poisoning and first aid given in the premises. It can also be extended to include fire and explosion.

A claimant must prove negligence on the part of the insured or his employees.