Public Liability Insurance
A Public Liability Policy would normally cover your legal liability for claims related to damaged third-party property or third party bodily injury, arising during the course of your business activities. This could typically occur either at your place of work but also anywhere else, in the Maltese Islands.
Practically any type of business is somehow exposed – whether your business activities involve interacting with customers, receiving visitors at your premises or perhaps visiting third party properties. Public Liability Insurance gives you one less thing to worry about.
Most business owners tend to believe that this type of cover is not really important or necessary, however it is worth highlighting that claims for third party injuries or third party property damage can become very costly.
These types of accidents are more often than not out of your control – one has to consider various aspects such as careless visitors or perhaps employees who are not completely on the ball who might cause accidents out of negligence.
Typical examples of claims arising under this cover would include third parties suffering injuries from slips, trips and falls, objects falling onto third parties or perhaps impact by a moveable object amongst many others.
Please fill in the following form to make a
Public Liability Claim:
Please fill in the following form to ask for a
Public Liability Quote:
Frequently Asked Questions
Who can buy Public Liability Insurance?
Any business interacting with members of the public in any way, including customers re-ceiving deliveries or else visiting your premises can and should have Public Liability Insur-ance.
Is Public Liability Insurance compulsory?
Public Liability is normally not a legal requirement for businesses, however it should be considered essential, when considering the various risks any business is exposed to.
What limit of Liability should I consider?
You would normally have various options to choose from – the limit of liability you should opt for very much depends on specific characteristics of your business. We would be in a position to give you the best advice once we have more knowledge on your business.
What affects my premium?
There is a number of factors which affect your Public Liability Insurance Premium – The size of your company, the nature of your work and the risk of your work are some of the main factors which would be taken into consideration when your premium is calculated.
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