Public Liability

Providescover for all sums, which the insured shall be legally liable to pay as damagesfor accidental bodily injury and or damage to property of 3rdparties including tow costs and expenses incurred with the written consent ofthe company.  This includes situationswhere visitor’s cars and personal property is damaged by falling objects orwhere visitors are injured by falling on slippery floor.

UnderwritingGuidelines

The proposermust provide the following information:-

  • Thenature of business
  • Location
  • Numberof employees
  • Grossannual payroll
  • Whetherthere are any sub-contractors
  • Stateof the buildings
  • Whetherthere are cranes, lifts or hoists
  • Limitof indemnity
  • Claimhistory

Claim conditions

  • Alllitigations expenses must be incurred with written consent of the company.
  • TheLiability of the insurer will not exceed the sum insured.

Exclusions

  • Judgmentsoutside geographical scope
  • Lossor injury to employees
  • Liabilityarising out of ownership or possession of any mechanically propelled vehicle
  • Damageto contract works
  • Liabilitywhich arises out of an agreement
Status

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APA Insurance | Public Liability

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