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What is Public Liability Insurance?
Public liability insurance protects a business against claims for injury and damage from the public or other third parties. This excludes claims from employees.
This is a general duty of care by a business or person. The business takes care that its business operations are according to best practices or regulations. Ensuring no injury or property damage to the members of the public from its operations.
This cover is business insurance. The business owner ensures their business premises and workplaces have public liability cover. This plan provides liability protection from 3rd Party claimsarising from any mishaps from your business operations.
This protection is separate from employers liability insurance, product liability and professional liability cover. This covers your business operations from compensation claims for direct injury or property damage from the public.
Ask Levine Lee. Our Red Cover expert insurance advisor to get you the best business liability protection plans for your needs.

Why do we need Public Liability Insurance?
Businesses need to be protected from a liability that arises from accidents in a business premise or operations. Work being done and in-store activities can potentially go wrong due to unforeseen events. The public can be injured or their property is damaged by these events.
Members of the public in contact with the business, for example, walking on a footpath being worked on by the business. If they were to be injured while on that footpath. They suspect it to be due to negligent work practices. They can file a claim for compensation from the business because of this.
Ask Levine Lee. Our Red Cover expert insurance advisor to get you the best business liability protection plans for your needs.
What is the coverage provided by the Public Liability Insurance?
A Public Liability Insurance covers legal costs against compensation claims. It also covers compensation for injuries to any persons and any losses or damages to property.
This cover will protect you from all sums of claims. In the event, you are found to be legally liable to pay compensation for a claim. This is only for claims for accidental bodily injury and accidental damage of property. For claims made by third parties. Claims made by employees are covered by Workers Compensation Insurance.
The level of cover and limit of liability depends on several factors. On the personal injury possible. On possible expenses for legal requirements for defense procedures. On the nature of the business and its impact on the public. Contact us to find out how we cover for your unique situation.
A risk study can also be used as a basis to estimate possible costs potentially arising from business operations.
The insurer will require the registered office details or situation of the premises to which this insurance will apply. We will also need to know the equipment details in connection with the business. And we will need your estimated payroll for the period of insurance
You will need to compare public liability insurance plans from differing companies. Red Cover can help you by being a one-stop center for this. We represent several insurance companies to provide this policy.

Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. Get covered correctly. Be advised correctly. Call Levine Lee (+6012-684 0948) today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.
Ask Levine Lee. Our Red Cover expert insurance advisor to get you the best business liability protection plans for your needs.
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