
COMPARE PUBLIC LIABILITY INSURANCE WITH ALFRED
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
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?
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?
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

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
PAYMENT OPTIONS FOR PUBLIC LIABILITY INSURANCE

Credit Card

Bank Transfer

Cash

Cheque
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.