Public Liability

Public Liability provides protection against your legal liability for injury to the public or for loss of or damage to property not owned by you or in your custody or control. Cover usually extends to include:

Obstruction, trespass, nuisance, interference, wrongful arrest and eviction
Contingent motor third party liability arising out of the use of vehicles not owned by you within the UK
Employees’ and visitors’ personal belongings
Personal liability of employees and directors whilst they are overseas on your business
Liability for loss of or damage to premises hired, leased or rented to you for the purposes of your business
Legal costs and expenses in defending prosecutions under all relevant health and safety legislation
Associated court attendance costs
The limit of indemnity provided relates to any one occurrence or series of occurrences arising out of one event.

Premiums are calculated on estimated annual wages and/or turnover, and then adjusted at the end of the policy period based on actual declared figures. This adjustment could result in an additional or return premium.