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Public-Liability-Insurance-Alfred

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.

  • Orient Logo
  • QIC Logo
  • AXA Logo
  • RSA Logo
  • AIG Logo
  • Takaful
  • Tokio Logo
  • New India
  • Oriental Logo
  • Oriental UNB
  • watina Logo
  • Noor Takaful
  • Aman Logo

TYPICAL SCOPE OF PUBLIC LIABILITY INSURANCE

Accidental_death

Accidental death of third parties due to negligence

bodily_injury

Bodily injury of third parties due to negligence

damage_property

Loss or damage to property of third party due to negligence

legal_costs_and_expenses

Legal costs and expenses

DO I NEED PUBLIC LIABILITY INSURANCE?

Accidental_death
Do you own or rent a property such as a building, warehouse or an office?
bodily_injury
Does your business involve work in public areas or visits to a client’s premises?
damage_property
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?

Accidental_death
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.
Accidental_death
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.
Accidental_death
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.
Accidental_death
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?

PREMISES LIABILITY VS WORK AWAY LIABILITY?

Two types of Public Liability Insurance are typically sold in the UAE.
Accidental_death

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
Accidental_death

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?

1

Get in touch with us

3

We work with underwriters to procure the most suitable terms for you

4

We send you detailed quotations and help you compare

5

We obtain your necessary documents

6

We collect your payment

7

We send you your certificate of insurance and policy documents

Alfred's InsuranceMarket.ae

WE'LL COMPARE PUBLIC LIABILITY INSURANCE FOR YOU!

WHY CUSTOMERS LOVE INSURANCEMARKET.AE

PAYMENT OPTIONS FOR PUBLIC LIABILITY INSURANCE

credit_card

Credit Card

Bank_transfer

Bank Transfer

cash

Cash

bank_cheque

Cheque