Public Liability Insurance

Protects you against your own liabilities as well as legal liabilities of your employees and 3rd parties.

Overview

· Premises and Operations

We cover for the bodily injury or property damage incurred on your premises as a result of your business operations.

· Product Liability

We cover for the bodily injury or property damage incurred through the use of the product manufactured, distributed or sold.

Frequently Asked Questions

A visitor comes to my premises, slips on the wet floor and injures himself. Will my public liability policy be applicable if he engages a solicitor to sue my company?

We will assist you to handle the claim including the engagement of a solicitor if need be.

A customer sends his machine to my company for repair and my workman, whilst carrying it to the store, negligently drops and damages it. Will my public liability policy be applicable if the customer sues my company?

The public liability policy excludes loss of or damage to property whilst under your control or charge.

A customer visits my company and later complains of food poisoning arising from the consumption of food and beverage at my premises. Will the Public Liability Policy be applicable to such nature of claim?

Yes, it will if the food or beverage is served for consumption on your premises.

There could be occasions when the company’s directors, executives or employees travel overseas for business. Will they be covered under the Public Liability Policy?

The territorial limits under the Policy are restricted only to Singapore. You will have to extend the territorial limits under the Policy and pay an additional premium, if required. However, the Policy will be subject to Singapore jurisdiction.