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Public Liability Insurance

Public liability insurance is a type of coverage that businesses can purchase to protect themselves against legal and financial liabilities arising from third-party injuries, property damage, or other incidents. Let's take a closer look at how each type of coverage is applied in different scenarios.

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Why do you need public liability insurance for businesses?

Public liability insurance for businesses provides comprehensive coverage for various risks associated with third-party incidents, including slip and fall injuries, medical payments, reputational harm, advertising injuries, legal fees, defense costs, and property damage. This type of coverage ensures that businesses can protect themselves against legal and financial liabilities and continue their operations without significant financial burdens.

Public Liability can help cover a wide range of risks.

Slip and Fall Injuries

Slip and fall injuries can occur when a customer or a visitor to a business’s premises slips, trips, or falls and suffers injuries. Public liability insurance coverage provides financial protection to businesses for any claims arising from such incidents. For example, if a customer slips and falls in a grocery store due to a wet floor and suffers injuries, public liability insurance coverage will cover the cost of any legal claims arising from the incident.
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Medical Payments Coverage

Medical payments coverage is a type of public liability insurance that provides financial protection to businesses for any medical expenses incurred by third parties due to accidents on the business’s premises. For example, if a customer injures themselves in a retail store and requires medical attention, medical payments coverage will cover the cost of the medical expenses.
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Legal Fees and Defense Costs

Legal fees and defense costs can be a significant financial burden for businesses that need to defend themselves against legal claims arising from third-party incidents. Public liability insurance coverage provides financial protection to businesses for legal fees and defense costs incurred in defending themselves against such claims. For example, if a business is sued for negligence or breach of duty, public liability insurance coverage will cover the cost of legal representation and defense.
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Property Damage

Property damage can occur when a business’s actions or negligence result in damage to third-party property. Public liability insurance coverage provides financial protection to businesses for any claims arising from property damage. For example, if a contractor accidentally damages a neighbor’s property while working on a construction site, public liability insurance coverage will cover the cost of repairing or replacing the damaged property.
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Slip and Fall Injuries

Slip and fall injuries can occur when a customer or a visitor to a business’s premises slips, trips, or falls and suffers injuries. Public liability insurance coverage provides financial protection to businesses for any claims arising from such incidents. For example, if a customer slips and falls in a grocery store due to a wet floor and suffers injuries, public liability insurance coverage will cover the cost of any legal claims arising from the incident.
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Medical Payments Coverage

Medical payments coverage is a type of public liability insurance that provides financial protection to businesses for any medical expenses incurred by third parties due to accidents on the business’s premises. For example, if a customer injures themselves in a retail store and requires medical attention, medical payments coverage will cover the cost of the medical expenses.
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Legal Fees and Defense Costs

Legal fees and defense costs can be a significant financial burden for businesses that need to defend themselves against legal claims arising from third-party incidents. Public liability insurance coverage provides financial protection to businesses for legal fees and defense costs incurred in defending themselves against such claims. For example, if a business is sued for negligence or breach of duty, public liability insurance coverage will cover the cost of legal representation and defense.
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Property Damage

Property damage can occur when a business’s actions or negligence result in damage to third-party property. Public liability insurance coverage provides financial protection to businesses for any claims arising from property damage. For example, if a contractor accidentally damages a neighbor’s property while working on a construction site, public liability insurance coverage will cover the cost of repairing or replacing the damaged property.
View Example

Learn more about Public Liability for your business:

Safeguard your business with our Public Liability insurance from unexpected situations and negligence claims. Our public liability policy protects your legal liability to a third party that claims negligence through an accident/incident that happened within your business premise.

Should there be any unforeseen accidents, we cover compensation on bodily injury to any person, compensation on loss/damage to property, and legal costs of defending claim against you.

With every business, there are different risks involved. Whether or not the business owners have identified these risks or outsourced them, these risks exist. A business owner can choose to self-insure which may set back their capital or obtaining the right insurance coverage could benefit them and their business.

Yes, please contact us at our call center to obtain an endorsement should you require to add on any coverages as your business grows and its risks change.

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