Public & Products Liability Insurance Policies

Public and products (broadform) liability insurance policies provides insurance cover in respect of insured’s liability for loss or damage caused negligently to third parties, who are not the insured, as a result of an occurrence in connection with the insured business.

It indemnifies the insured business against legal liability to pay compensation in respect of personal injury or property damage claims arising in respect of the product and/or service sold or supplied by the insured, however it does not cover product warranty and is always subject to terms, conditions and exclusions.

In addition, these policies also provide cover for defence costs even if the action against you is false or fraudulent, provided that an excluded circumstance does not apply.

Personal Injury

Cover includes:

• Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
• False arrest, wrongful detention or imprisonment, and malicious prosecution
• Wrongful eviction
• Assault or battery
• Libel, slander, defamation of character or invasion of the right of privacy

Property Damage

Cover includes:

• Physical damage to tangible property
• The loss of use of tangible property which has not been damaged but cannot be used due to damage to other tangible property