Public and products liability insurance

Covers you against the cost of claims relating to:

  • claims made due to bodily injury and property damage
  • claims made due to trespass, nuisance, false arrest and eviction of a third party

You may face additional risks if:

  • you visit or carry out work at your clients' offices
  • clients visit you at your office
  • you want to work with clients who require public liability cover in their contracts

What's covered

We'll pay up to the cover level you select for each claim made against you during the period of insurance for:

  • bodily injury and property damage, and
  • trespass, nuisance, false arrest and eviction of a third party,
  • including any legal costs incurred with our prior agreement to defend or settle a claim against you.

We'll also pay for the representation costs you incur with our prior agreement to defend or settle criminal legal proceedings for any breach of regulation or statute relating to a public liability claim against you, up to £250,000 in total during the period of insurance.

If you, your directors or employees have to attend court as a witness in connection with a claim against you, we'll pay compensation of up to £10,000 in total.

For full details of what's covered, see your policy documents.

What's not covered

We will not make any payments for any claim due to:

  • injury to your employees or damage to your own property.
  • costs related to recalling, removing, repairing, reconditioning or replacing a product you supplied
  • losses dependent on contractual terms, where you wouldn’t bear responsibility without these
  • claims related to any cyber attack or transmission of a computer virus.
  • professional advice you provide
  • asbestos-related claims
  • deliberate or reckless acts you commit.

You must pay the amount of the excess for each claim.

For full details of what's not covered, see your policy documents.

 

How much cover do I need?

It's important to think about what your business does and the potential risks it is exposed to through contact with clients and members of the public. What could potentially go wrong and what could that end up costing you? It's also worth checking your contracts for any specified levels of public and products liability cover required, or talking to potential clients about their standard contractual requirements.

Is public and products liability insurance a legal requirement?

No, generally it's not, but you'll find that some clients make it a contractual requirement of doing business with them.