Public Liability policy covers the insured against legal liabilities in the event of members of the public suffering personal injuries or property damages as a result of the insured’s operations. This policy forms an integral part of organizations or businesses with frequent interactions with customers and the general public at large. The insured is covered against the resultant legal expenses and compensation costs for property damage, bodily injury and or medical expenses of the claimants. Coverage is usually given with specific limits as advised by the policy holder. Equally important, the Public Liability cover is open to extension to include Products Liability if such need exists.
