What Public Liability Insurance Covers?
Get the Coverage You Need.
Public liability insurance provides coverage for legal liabilities that a business or individual may face in the event that they are held responsible for causing injury to a person or damage to property. Here’s an overview of what public liability insurance typically covers:

Bodily Injury: If someone is injured on your business premises or as a result of your work activities public liability insurance can cover:

  • Medical Expenses
  • Legal Defense Costs | Settlements and Judgments
  • Loss of Consortium
  • Reputation Protection

Property Damage: Public liability insurance also covers damage to third-party property caused by your business operations or activities.

  • Repair or Replacement Costs
  • Legal Defense Costs | Settlements and Judgments
  • Business Interruption Coverage

Product Liability: Some public liability insurance policies may include coverage for product liability claims such as:

  • Protection Against Defective Products
  • Legal Defense Costs | Settlements and Judgments
  • Coverage for Property Damage

Advertising Injury: Public liability insurance may also provide coverage for advertising injury, such as defamation, libel, or slander.

  • Protection Against Allegations of Libel, Slander, or Defamation
  • Legal Defense Costs | Settlements and Judgments
  • Coverage for Copyright or Trademark Infringement
  • Protection Against Misappropriation of Advertising Ideas

Contractual Liability: Public liability insurance may cover liabilities assumed under contract agreements with clients or customers. This ensures

  • Protection for Contractual Obligations
  • Legal Defense Costs | Settlements and Judgments
  • Coverage for Indemnity Agreements