Public Liability Insurance

Summary of main policy cover for UK Public Liability Insurance

Covers the policyholders in connection with the declared business activities for legal liability to pay damages to members of the public for:
• accidental bodily injury, death or disease
• accidental loss of or damage to material property.
The cover is subject to the usual application of heat and underground services conditions.
Limit of Indemnity: £1,000,000; £2,000,000 or £5,000,000. (other limits available)
Extensions generally include:-
• Legal costs and expenses - to defend any claim and solicitors fees for representation at court proceedings.
• Health and Safety at Work Act defence costs - but not fines or penalties.
• Liability for damage to leased or rented premises - £100 excess other than by fire or explosion.
• Overseas Personal Liability - personal liability of directors, partners, employees and spouses while temporarily overseas on business.
• Products Liability - covers liability for goods supplied as part of work undertaken subject to certain exceptions.
• Defective Premises Act - the policyholder’s liability under the Act - but not the costs of remedying defects.
• Indemnity to Principals and Plant Owners
• Contractual Liability - covers the policyholders Public Liability assumed under contract or agreement - subject to certain limitations.
• Cross Liabilities - indemnifies each party shown as the Insured as though a separate policy had been issued to each.
• Motor Contingent Liability - covers liability for business use of other peoples motor vehicles if no other cover is in force.