Public Liability

Public Liability Insurance provides cover in respect of the Insured’s legal liability to third parties for bodily injury or damage to property arising from the negligence or actions of the Insured, its employees or defects in the premises owned.

  • Why should I choose this plan

    The Covers

    Zurich will pay to or on behalf of the Insured all sums which the Insured becomes legally liable to pay as compensation for:

    • Bodily Injury
    • Property Damage

    which occurs during the Period of Insurance within the Geographical Limits as a result of an Occurrence and which arises out of the Business of the Insured.
    You should read the policy for a detailed description of the cover and of the limits that apply.

    Validity of your policy

    The dates when your policy starts and ends are stated in your policy schedule and both dates stated are inclusive in the coverage.

    How much premium do you have to pay ?

    The premium amount that you must pay for your insurance cover is set out in your schedule. The amount of your premium is determined by taking a number of different matters into account. It is important for you to know in particular that the premium varies depending on the information we receive from you about the risk to be covered by us. The higher the risk is, the higher the premium will be.

    In this product the factors that are taken into consideration include the following:

    • Your business
    • Your estimated annual sales turnover
    • The geographical limit/jurisdiction
    • The limit of liability
    • Your loss experience
  • For more information

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