Public and Products Liability Insurance

Public and Products Liability insurance safeguards your business against legal liabilities to third parties, encompassing clients, customers, and the general public, for injury or damage to their property resulting from your business activities. This coverage extends to emotional distress or shock caused by your business to another individual. Typically, it covers the costs of investigating, defending, and settling claims, as well as any compensation payments you’re legally liable to pay.

Worker to Worker Liability Extension

Worker to Worker Liability is a term used to describe liability for accidents where a worker is injured by the negligence act of another worker, not being a fellow worker, ie. Not having the same employer as the injured worker. It is usual for this liability to be insured under a Public Liability or Contract Works Liability Insurance policy. However, some underwriters, depending on the nature of the risk, exclude this liability under their Public/Contract Works Liability policies. In this case, separate Worker to Worker Liability Insurance needs to be arranged. This insurance is extremely difficult to purchase.