Public liability covers your legal liability for third-party injury or property damage arising from your operations. Workmen compensation covers your statutory obligation to employees for work-related injury, disability or death.
These are the covers businesses discover they needed after the event. Both are inexpensive relative to the exposure.
Who needs this cover
- Manufacturing and processing units
- Contractors and site operators
- Businesses with public-facing premises
Key benefits
- Covers legal liability and defence costs
- Meets statutory obligations to employees
- Protects business assets from a liability judgment
- Often required by contract or tender
What is typically covered
- Third-party bodily injury and property damage
- Legal defence costs within the limit
- Employee compensation for work-related injury, disability and death
Eligibility
- Cover based on turnover, headcount and risk classification
- Accurate occupational declarations required
Key exclusions and limitations
- Deliberate non-compliance with safety law
- Contractual liability beyond common law, unless specifically covered
- Fines and penalties
Exclusions differ between insurers and product variants. Always read the policy wording for the exact list.
Claim information
Notify the insurer as soon as an incident occurs — before admitting liability. We manage the notification and the insurer's legal coordination.