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What is Public Liability insurance?
Public Liability insurance protects your business if a customer, supplier, or member of the public is injured or suffers property damage as a result of your negligent business activities. Public Liability policies can also extend to cover Product Liability and Defective Workmanship.
Public Liability claims are typically made by customers of your business. On this platform, cover is offered on a claims made basis – a claims made basis covers claims that are made and reported during the time that you hold this policy and will not cover you once you are no longer paying for this policy (even if the event occurred while you had this policy).
How will Public Liability insurance protect my business?
Usually Included
Legal liability for bodily injury, death or loss of property, injury to any person, obstruction, loss of amenities, trespass, or nuisance.
- Damage from spread of fire
- Cross liability
- Security firms
Optional Covers
Products and defective workmanship liability, wrongful arrest and defamation.
- Legal/Statutory defence costs
- Retroactive cover
Cover Levels
SimplyCovered offers public liability cover from R 1 000 000 up to R 10 000 000.
- Flexible limits
- Industry specific options
Things to consider when purchasing
Determine the amount based on size, nature and potential risks of your business.
Coverage amount
Determine the amount based on size, nature and potential risks of your business.
Policy exclusions
Understand any limitations or specific types of claims that may not be covered.
Policy benefits
Consider automatically included extensions to ensure fair comparison.
Business Exposure
Assess if your daily client interactions put you at high risk of legal claims.
Frequently Asked Questions
Which possible events could happen?
Think about the worst incident that could happen and how much your business would be liable for.
What are the consequences?
Medical expenses, loss of income, loss of earning potential, damage to property, etc.