Public & Products Liability Insurance

A Public Liability policy indemnifies an insured in respect of his or her legal liability to third parties for death, bodily injury, including illness and for any other loss or damage to property which happens in connection with the conduct of the business insured under the policy. The indemnity relates only to legal liability and not to any moral responsibility that the insured may have. Before the policy can operate, there must be an accident or event which results in death, injury, illness, loss or damage, and which places a liability on the insured. Legal Liability refers to all forms of liability, for example: negligence, nuisance, trespass, liability under statute or conduct and vicarious liability.

A Products Liability policy indemnifies an insured against potential lossess arising out of the defective nature of goods manufactured or supplied by his or her business. A Products Liability policy indemnifies an insured in respect of legal liability to third parties for death, bodily injury, including illness and for any loss of or damage to property caused by or through the sale or supply of any commodity, article or thing in connection with the business insured under the policy.