What does Public Liability Insurance cover?

Public liability insurance covers you in the event that a third party takes legal action against you for bodily injury or damage to property

What does a Public Liability policy cover?

Public liability insurance will provide protection for the legal and compensation costs should a third party, such as a client or member of the public, make a claim against you.


What does Public Liability Insurance cover?

Public liability insurance provides cover for the policyholder for the financial costs of legal action made against them in respect of injury or property damage to a third party which occurs due to your business activities and during the period of insurance.

The coverage provided by public liability insurance can be understood in two categories:

  • defence costs
  • legal liability (compensation)


Should a third party bring legal action against your business, alleging that you or an employee acting for your business, is responsible for bodily injury or damage to property, the public liability policy will cover the legal representation/defence costs as necessary. Should the outcome of such a legal dispute be that your business is liable, the policy will also pay the compensation owed, up to the limit of indemnity on the policy.

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What is covered?

  • Accidental bodily Injury sustained by a third party

  • Damage to third party property

  • Nuisance trespass or interference with any easement right of air light water or way other than where arising due to a deliberate act by the insured

Please refer to the applicable Policy Wording for a full list of what is covered under this policy.

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What is not covered?

  • Policy excess (see product page for detail)

  • Damage to the Insured's own property

  • Indemnity over and above the limits stated on the policy schedule

  • Claims arising out of pollution

Please refer to the applicable Policy Wording for a full list of policy exclusions.

Products Liability Insurance

Products liability provides indemnity against claims for bodily injury or property damage caused by a product which was manufactured and/or sold by your business. Products liability cover is included within Qdos public liability policies.


Employers Liability Insurance

Employers liability will react in the event of injury, illness or accidental death of an employee caused by their service with your business. Employers liability insurance can be added to your public liability policy for an additional fee.


How much cover do I need?

Public liability policies can be purchased with a range of indemnity limits (limits of cover). Qdos policies are offered with indemnity limits of £1 million, £2 million, £5 million and £10 million. Offshore workers can purchase cover at limits of £5 million and £10 million.

In order to determine the level of cover you may need, you should:

  • Check your contractual agreement where applicable for clauses which require a level of cover to be held
  • Assess the risk of your business - those carrying out extensive manual work will be at a higher risk of causing damage or injury than those providing non-manual services in an office environment

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