Public Liability Cover

Public Liability Cover - Lion Assurance insurance and cover products

What is the Public Liability Cover?

This policy rovides cover for all sums, which the insured shall be legally liable to pay as damages for accidental bodily injury and or damage to property of 3rd parties including legal costs and expenses incurred with the written consent of the company.

We also provide cover against all sums they are legally obligated to pay arising from accidental loss of life, bodily injury or illness as well as damage to tangible property, accidental trespass, obstruction or interference in any way occurring during the period of the policy and arising in the course of or in connection to the insured’s business operations.

Here is a summary of what it can cover*

  • Accidental death of or bodily injury or illness of any person
  • Accidental loss of or physical damage to tangible property
  • Accidental obstruction, trespass, nuisance or interference with any right of way, air, light or water or other easement
  • Unintended Wrongful arrest
  • Unintended Defamation

* Terms and conditions apply.

This policy is also extended to cover*

We extend this cover to include;

  • Movement of Vehicles
    We extended the cover to include liability arising from or in connection with the movement of any vehicle, trailer or caravan (not belonging to the Insured) by any person being an employee or acting on Insured’s behalf, provided such movement of motor vehicle, trailer or caravan is undertaken to facilitate the carrying on of the insured’s business.
  • Property in insured’s custody or care
  • Bailees Liability for Property in Insured’s care, custody, or control
    To indemnify the Insured in respect of all sums insured which the insured shall be required to pay in respect of their legal liability as bailees of goods, merchandise of every description and containers held and/or stored by them in trust or on commission for which they may be responsible to their clients and/or customers warranted that the said goods, merchandise of every description and containers shall be held and stored in the premises owned and/or leased by the Insured or under the watchful eye of the insured.
  • Emergency medical expenses
    To indemnify the Insured for all reasonable expenses incurred by Insured for such immediate treatment as may be necessary at the time of an accident causing injury to any person who may be the subject of a claim for indemnity by the Insured .
  • Tenants’ Liability
  • Damage by defined events to premises hired, leased, borrowed or rented by Insured is covered.
  • Security Firms
    Notwithstanding anything to the contrary, if in terms of contract with a security firm engaged to protect the Insured’s property in the course of the business of the Insured stated in the schedule or persons, the insured becomes legally liable for the acts or omissions of the employees of the security firm in the course of their employment.

* Terms and conditions apply.

This policy does not cover the following*

  • Injury to employees of the Insured
  • Any vehicle, which is required by law to by registered
  • Damage to property owned by the insured other than premises leased or rented to the insured
  • Punitive or exemplary damages
  • Theft by an employee of the insured
  • Asbestos related incidents
  • Liability in consequence of war, and related perils
  • Liability arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste
  • Wrongful advice
  • Outside geographical scope

* Terms and conditions apply.

This policy requires the following*

  • Business Nature
  • Number of employees
  • Claim history

* Terms and conditions apply.