Public/Products Liability Insurance


Public/Products Insurance provides protection against claims arising from:

  • Accidental bodily injury to any person
  • Accidental loss of or damage to property

Happening in connection with the business and occurring within the territorial limits described and happening during the period of insurance. Since the promise to indemnify is the basis of the policy, strictly speaking Insurers are not liable to make payment until the Insured has been found “legally liable” to pay for damages.

a) Consequences of war, invasions, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection of military or usurped power.
b) Liability arising directly or indirectly caused by or contributed by or arising from ionizing radiation’s contamination by radio activity from nuclear waste.
c) Subsidence of any building or structure
d) Illness caused as a result of defective sanitary arrangements
e) Poisoning, illness or injury through the consumption of food. This is normally provided however as an extension
f) Any technical or professional advice furnished by the insured or any person on behalf of the insured
g) Any contract of indemnity which imposes upon the insured liability which the insured would not otherwise have been under.

Liability arising outside the geographical area stated in the schedule

Exceptions to the policy
There are three reasons why exceptions appear in policies:-

  • Because there are other policies available to provide the cover
  • Because the insurance company is not prepared to grant cover without making further inquiry of the risk involved.
  • Because the risk is uninsurable.

Policy conditions
There are three major conditions which may be implied or expressed as follows:

  • Conditions precedent to the policy
  • Conditions subsequent to the policy
  • Conditions precedent to liability

In most cases we endorse the products liability coverage on to a public liability policy. In a products liability situation, bodily injury or damage to property must be caused by any goods sold, supplied, repaired, altered, treated or serviced in connection with the Insured’s business.