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PUBLIC LIABILITY INSURANCE TO SAVE YOU TIME AND MONEY
A public liability insurance will protect your business in the event a third party person is injured or their property is damaged as a result of your business activities or on your business premises.
Public liability insurance becomes a must for businesses which involve:
- Leasing or owning a premises
- Frequent visits by customers and guests
- Carrying out work at client’s premises
- Regular interaction with the public
OUR PUBLIC LIABILITY INSURANCE PARTNERS
One size does not fit all. We work with Leading Public Liability Insurance companies in the UAE to tailor the right policy for you and your employees.
TYPICAL SCOPE OF PUBLIC LIABILITY INSURANCE
Accidental death of third parties due to negligence
Bodily injury of third parties due to negligence
Loss or damage to property of third party due to negligence
Legal costs and expenses
DO I NEED PUBLIC LIABILITY INSURANCE?
Do you own or rent a property such as a building, warehouse or an office?
Does your business involve work in public areas or visits to a client’s premises?
Does your business involve manufacture or distribution of any products?
If your answer is yes to any of the above, you have some level of exposure towards third parties and it is highly recommended to have a public liability insurance to cover these risks. You may additionally be required by contract to provide proof of such an insurance cover to your clients.
HOW DOES THE COVER WORK?
Public liability insurance offers cover against claims from third parties and clients for negligent damage to their property or bodily injury up to the limit specified in the policy. The limits would include costs of legal defense and damages awarded by a court.
Limits can be offered from as low as AED 500,000 up to AED 100m any one occurrence. Obviously the limits required may depend on a requirement from a free zone or as contractually required for a project.
Insurers maintain the right to defend claims and insured’s aren’t allowed to offer any remedy or accept liability without written consent of the insurers.
Cover is usually offered on an “occurrence basis”. This means that as long as a covered event has “occurred” within the period of insurance, the policy will respond. So it doesn’t matter if the claim was made after the policy expired.
What types of claims are NOT covered?
Any liability directly or indirectly arising out of war, mutiny, foreign enemy, rebellion, revolution etc
Any liability arising out of ionizing radiation, radioactivity from a nuclear fuel
Punitive or Exemplary damages, fines, penalties
Any liability towards employees
Any liability arising from a Product (Product Liability cover can be added on)
Any liability for pollution unless caused by a sudden, specific, accidental event
Any liability for property owned by the insured
Any liability arising out of any owned or rented aircraftor watercraft
Any liability arising out of any owned or rented motor vehicle
PREMISES LIABILITY VS WORK AWAY LIABILITY?
Two types of Public Liability Insurance are typically sold in the UAE.
Cover for Premises Risks only
Cover is provided only in respect of any third party claims arising out of your premises. This could be a visitor slipping on a wet floor in your office or a Fire starting at your office and spreading to a neighbor
Cover for All Business Activities (Including Work Away)
Cover is provided in respect of any third party claims arising out of your business activities. This could be from damage to a client’s property while you carry out some work there or injury to general public while carrying out your business in a public area
HOW DOES IT WORK?
Get in touch with us
We understand your business requirements and have you fill up a proposal form
We work with underwriters to procure the most suitable terms for you
We send you detailed quotations and help you compare
We obtain your necessary documents
We collect your payment
We send you your certificate of insurance and policy documents
WE'LL COMPARE PUBLIC LIABILITY INSURANCE FOR YOU!
WHY CUSTOMERS LOVE INSURANCEMARKET.AE
For 12 years I'm insuring my car with Afia- never had even smallest issue with claims. Service is excellent - very pleased with Mr.Ian who cares about my account. I wish we have more companies in the UAE with such a service! Thank you Afia team!
Our company has been dealing with AFIA in the past 3 years. They are always helpful and very attentive to details. Jecryl who has been helping me with our company requirement is very knowledgable with their products and have given me various options to meet our company requirements. I will definitely recommend them to family and friends. Just now, one of our drivers had an accident. Ms. Teresa from claims department help me immediately. She was able to give me a reference claim number within 10 minutes from the time I contacted her.
Excellent, Speedy, and Professional Service. Agatha Alicdan has been extremely helpful in everything relating to medical and business insurance for our group - providing options, recommendations, and very quick response.
I rate my experience with Mr. Vicky (Vignesh) of AFIA Insurance Brokers as 5 star related to the professional indemnity insurance coverage for our firm. My repeated requests for amendments in the policy for whatsoever reasons were done very fast and to my satisfaction. Thank you Mr. Vignesh
For the past 3 years AFIA has assisted in providing my company with annual Professional Indemnity Insurance. Each time the same agent, Agatha Alicdan, has dealt with my requirements in a professional manner and provided me with a competitive quotation. This year AFIA has also provided me with worldwide travel insurance. It is my intention to continue to use the services of AFIA in future for my insurance requirements and would recommend them to others.
PAYMENT OPTIONS FOR PUBLIC LIABILITY INSURANCE
GET PUBLIC LIABILITY INSURANCE
Public liability will not only protect your business from unforeseen damages, but ensure that you do not incur massive liabilities so you can focus on growing your business.