Public Liability covers your legal liability for injury to persons other than employees, and for damage to property, up to a limit of £1,000,000, £2,000,000 or £5,000,000 plus legal costs.
The cover includes;
- compensation for court attendance as a witness, up to £250 per day
- your legal liability arising out of the use of another person’s vehicle for your business purposes if it is not otherwise insured
- legal costs incurred in the defence of criminal proceedings for breach of the Health and Safety at Work Act 1974, up to £10,000 in any one period of insurance
- liability for damage to premises leased, hired, rented or in your custody or control (excluding the first £250)
Not insured;
- liability for loss of or injury to animals in your care, custody or control
- liability arising out of any products sold or supplied
- breach of professional duty
- liability arising out of asbestos or its derivatives
- terrorism
- the first £100 of each claim for damage to property
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