The Public Liability Insurance in respect of death, injury or property damage that is not insurable by specialized liability insurances such as motor insurance, products liability insurance and professional indemnity insurance.
topThis is to cover the insured's legal liability in respect accidents occurring during the policy year. Normally the policy will cover third party injury and property damage liability. It also covers legal expenses, both of the insured in defending or resisting such claims and those of the successful third party.
top- Basic Exclusions of war, nuclear risk etc.;
- Geographical Area;
- Overlap Policies;
- Contractual Liability.
topThe premium may be adjustable. For example, a provisional premium is paid initially, adjusted to the correct amount when final figures are available. The rate charged will reflect the potential risk, according to the occupation of the insured.
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