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.