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Why is public liability cover important ?

 

Even when a business does everything right there is always the chance of an accident happening.  With the right insurance cover, a business can operate knowing that should the worst happen, their customers’ property could be repaired, their possessions repaired / replaced and their medical costs paid for.

“Life is what happens to you while you’re busy making other plans”

You need a reliable insurance plan that will protect you in your time of need.

Summary

We can provide you with a Public Liability Insurance Policy, a policy which provides cover in respect of your legal liability towards third parties.  This policy covers

  • Accidental bodily injury to any person other than an employee occurring in connection with the business
  • Accidental loss of or damage to any third party property occurring in connection with the business
  • Cost and expenses of litigation incurred with the written consent of the insurance company
  • Cost and expenses of litigation recoverable by any claimant against the insured

Exclusions – This policy does not cover

  • Contractual liability
  • Property in the care, custody or control of the insured
  • Products liability and defective work
  • Motor insurance as required by Law
  • Liability arising from any ship, vessel or aircraft
  • Liability in connection with goods and premises which are no longer in the insured’s possession prior to the loss
  • War, radioactive contamination, damage caused by vibration, removal and weakening of support
  • Professional Indemnity

Extensions

  • Non-Manual Employees travelling abroad
  • Motor Contingency
  • Food & Drink
  • Work-away

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222, The Strand, Gzira GZR1022, Malta

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Triq Ta' L-Ibrag, Ibrag STJ03, Malta

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      Is the property left unoccupied for more than 90 consecutive days?


      Are your premises protected by an alarm and subject to an annual maintenance contract?

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