Public Liability Insurance can help safeguard your business against the unexpected financial impact of such claims. Without this coverage, you could miss important opportunities or face severe financial repercussions if an incident occurs. In this guide, we’ll explore the public liability insurance ...read more
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 -
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.
Choosing Policybazaar.ae gives you access to a variety of benefits —
While it might not be a legal requirement in all cases, Public Liability Insurance offers several key advantages —
Pays for legal expenses, including lawyer and court costs, if you face a lawsuit
Covers injury or property damage caused by your business activities, preventing financial loss
Helps meet client or contractual requirements for insurance coverage, enabling new business opportunities
Covers medical bills, repairs, and compensation costs if third parties are injured or their property is damaged
Shows you’re a responsible business, which can build trust with clients and partners and keeps your business running smoothly by covering the costs
There are two main types of public liability insurance available for businesses in the UAE —
This type of insurance covers third-party claims that occur specifically on your business premises. Some examples include:
Please Note: This policy only protects incidents that happen within the premises where your business operates.
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:
Please Note: This type of coverage provides broader protection for your business, covering risks during business activities away from your main premises.
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 |
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 |
Here are the documents you may need to submit your claim for insurance —
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 |
Getting the right Public Liability Insurance online quote requires careful consideration. Here’s how you can secure a policy —
You can also compare public liability insurance online quotes through Policybazaar.ae to get the best deal.
In the event of a claim, follow these steps to ensure a smooth process —
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.