A Public Liability Policy covers the property/business owners from legal liability claims which arise out of negligence from an incident on your property, even if you are not to blame. Such claims could be bodily injury or accidental death, loss or damage to property, legal expenses incurred with the written consent of the insurer. Even if you are holding a one-off event, or own a shop, where the general public frequent, then you will need public liability insurance. Public liability insurance has become increasingly popular with an increasing number of liability lawsuits being filed every year. For this reason, public liability insurance has become one of the most important insurance policies a business has.
What typically does a public liability insurance policy not cover?
If your business is not deemed to be a safe environment caused by deliberate neglect then your policy may become void. In this instance, you are personally liable for the financial burden of the liability claim. This can run into the tens of millions of shillings. It is important for a business owner to ensure that the workplace is designed to minimize public risk.
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