Public Liability Insurance UAE - What is Public Liability Insurance Policy?

What is a Public Liability Insurance Policy?

Public Liability Insurance is an essential form of coverage that every business should consider, especially those who interact with clients, customers, or the general public. As companies grow and engage in more activities, the likelihood of accidents or incidents that could lead to third-party injury or property damage increases.

According to industry statistics, nearly 48% of liability claims stem from incidents such as slips and falls.

Without the proper insurance coverage, this could result in expensive legal battles and compensation payouts which can be financially devastating for businesses. Public Liability Insurance is designed to protect businesses against claims made by members of the public for injury or property damage caused by business activities.

Whether the incident occurs on your premises or while you're working offsite, this insurance covers the costs of defending legal claims, compensation, & other related expenses.

Key Points -

Protection for businesses from third-party claims
Covers legal costs and compensation for injuries or damages caused by your business
Often required by clients or as part of your business contract

Who Needs Public Liability Insurance?

If your business involves any of these activities, you are at risk of third-party claims, making Public Liability Insurance a must-have for protection.

Business owners with premises where customers or clients visit
Frequent interactions with the public, such as meetings, deliveries, or offsite work
Manufacturers or distributors of products
Service providers who work at clients’ premises

Why Should You Buy Public Liability Insurance from Policybazaar.ae?

Choosing Policybazaar.ae gives you access to a variety of benefits —

Access to multiple providers offering different plans tailored to meet your needs
Get professional advice to compare and select the most suitable plan
Compare premiums. add-ons, and coverage with just one click
Easy-to-follow online process and easy navigation to get quotes and make informed decisions

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Benefits of Public Liability Insurance in Dubai, UAE

While it might not be a legal requirement in all cases, Public Liability Insurance offers several key advantages —

Legal and Compensation Costs:

Pays for legal expenses, including lawyer and court costs, if you face a lawsuit

Protection Against Third-Party Claims:

Covers injury or property damage caused by your business activities, preventing financial loss

Compliance with Contract Requirements:

Helps meet client or contractual requirements for insurance coverage, enabling new business opportunities

Compensation for Injury or Property Damage:

Covers medical bills, repairs, and compensation costs if third parties are injured or their property is damaged

Enhances Business Reputation:

Shows you’re a responsible business, which can build trust with clients and partners and keeps your business running smoothly by covering the costs

Types of Public Liability Insurance in UAE

There are two main types of public liability insurance available for businesses in the UAE —

1- Cover for Premises Risks Only

This type of insurance covers third-party claims that occur specifically on your business premises. Some examples include:

A visitor slipping on a wet floor in your office
A fire starting in your building that spreads to neighbouring properties

Please Note: This policy only protects incidents that happen within the premises where your business operates.

2- Cover for All Business Activities (Including Work Away)

This is a more comprehensive policy that covers third-party claims related to all of your business activities, both on and off your premises. It includes:

Damage to a client's property while you’re working on their site
Injuries caused to the public while conducting your business in a public area

Please Note: This type of coverage provides broader protection for your business, covering risks during business activities away from your main premises.

What Does Public Liability Insurance Cover?

Public Liability Insurance covers a wide range of incidents that may lead to third-party claims including:

Coverage	Details
✅Bodily Injury	Covers medical expenses and compensation if a person is injured at your premises or as a result of your business activities
✅Property Damage	Pays for damage caused to another person’s property by your business activities (e.g., breaking a client's equipment)
✅Personal Injury	Covers non-physical injuries such as defamation, slander, or false arrest
✅Advertising Liability	Protects against claims arising from advertising mistakes (e.g., copyright infringement)
✅Tenant’s Liability	Covers risks arising from leased business spaces

What is Not Covered in Public Liability Insurance?

While Public Liability Insurance provides broad protection for third-party claims, there are several key exclusions to be aware of.

Below are the situations and risks that are typically not covered under a Public Liability Insurance policy —

Exclusion	Details
❌Damage to Own Property	Covered by property insurance, not public liability
❌Professional Errors	Covered by Professional Liability Insurance, not public liability
❌War or Terrorism	Claims arising from war or terrorism are excluded
❌Wilful Damage	Intentional damage is not covered
❌Nuclear or Radioactive Damage	Claims from nuclear accidents or exposure to radioactive materials are excluded
❌Fines and Penalties	Public liability does not cover fines, penalties, or statutory liabilities

Documents Required to Apply for a Public Liability Insurance in Dubai, UAE

Here are the documents you may need to submit your claim for insurance —

Claim form
Emirates ID
Visa or Passport Copy
Time, Date, & Location of Incident
Policy Number

How Much Public Liability Insurance Cost?

The Public Liability Insurance cost can vary depending on several factors —

Factor	Impact on Cost
Business Size	Larger businesses tend to pay higher premiums due to greater risk exposure
Level of Public Interaction	The more frequent and risky your public interactions, the higher the premium
Industry Type	High-risk industries (e.g., construction, manufacturing) will pay more
Claims History	A history of past claims may increase premiums

How to Get Public Liability Insurance in Dubai?

Getting the right Public Liability Insurance online quote requires careful consideration. Here’s how you can secure a policy —

Evaluate Your Risks: Determine the potential risks your business faces, such as the likelihood of accidents and property damage.
Compare Public Liability Insurance Quotes: Look at different policies and compare quotes from multiple providers to find the best coverage and price.
Choose the Right Coverage: Decide on the coverage amount based on your business's size, industry, and the level of risk you face.
Apply Online or In-Person: Many insurers allow you to buy a policy online for convenience, or you can visit a local branch for assistance.

You can also compare public liability insurance online quotes through Policybazaar.ae to get the best deal.

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How to Claim Public Liability Insurance in UAE?

In the event of a claim, follow these steps to ensure a smooth process —

Notify Your Insurer: Inform your insurance company immediately after the incident occurs
Site Survey: A surveyor will assess the damage or injury and prepare a report
Claim Assessment: The insurer will evaluate your claim and inform you about the compensation
Payment: If the claim is accepted, your insurer will cover legal fees and compensation based on the policy terms

Frequently Asked Questions

Yes, if your business involves third-party interaction or is at risk of property damage or personal injury claims.

Inform your insurer, undergo a site survey, and wait for claim approval and compensation.

Yes, purchasing public liability insurance is mandatory in the UAE both in the mainland and free zone.

Yes, public liability insurance for self-employed individuals is available and advisable if your business involves third-party interactions.

Public Liability Insurance in Dubai, UAE