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