Guide to Public Liability Insurance

Public liability is a type of insurance intended to protect a policyholder against claims made by members of the public who suffer injury or damage to their property as a result of the policyholder’s business activities. The policies cover the legal costs involved in the defence of a claim and the awards made to third parties if negligence is proven against the policyholder. Policies can cover you for public liability for trading at your premises and some policies will give you cover for causing injury or damage away from your premises. Indemnity limits available on Publicliability.ie are €2.6M or €6.5M. As well as considering your own indemnity limit requirements, if you are required by another party to provide public liability insurance it is recommended that you check the indemnity limit required prior to purchase.

In running a business you face the potential of legal proceedings for injury or damage caused to a member of the public as a result of you carrying out your business. Having a public liability policy provides a business with protection to defend a claim and pay an award if found to be negligent.

A number of factors may affect what your public liability costs, such as

  • Your occupation and the industry you work in

  • Your turnover

  • The numbers involved in your business

  • If you work away from your premises or abroad

  • Previous claims or losses

Employers Liability is a type of insurance intended to protect a policyholder against the cost of compensation claims in the event of an injury to an employee occuring during the course of their employment.” claims made by members of the public who suffer injury or damage to their property as a result of the policyholder’s business activities. In Ireland employer’s liability is not a compulsory class of insurance but most sensible employers will take out this cover to protect themselves. The typical limit of indemnity for an employer’s liability policy in Ireland is €13,000,000.

A wide range of different non-manual occupations may be suitable for cover and below is just a sample of some of these. Go to our ‘Get a Quote’ page to see more occupations. If your occupation is not listed on the ‘Get a Quote’ page, contact us as we still may be able to provide you with a quotation.

  • Teachers
  • Consultants
  • Engineers (non-manual)
  • Health and Fitness Instructors
  • Market Traders
  • Accountants
  • Surveyors
  • Tutors
  • Home Bakers
  • Architects
  • Artists
  • Interior Designers

  • The policy is designed to meet the needs of professionals who carry out predominantly non-manual business activities and who wish to cover claims brought against them for bodily injury or third party property damage as a result of their business
  • Policy cover relates to your occupation / business activities as stated by you. Claims arising from activities outside the description of these activities may not be covered 
  • The policy covers have limits on amounts to which insurers will provide cover – ensure you choose an adequate limit of indemnity. 
  • It is your duty to ensure that you answer all questions posed by us/the insurer, honestly and with reasonable care.  You must ensure that answers provided to all questions are, to the best of your knowledge and belief, true and complete in every respect.  You must ensure that statements made on proposal forms, Statements of Fact, claim forms, and other documents are, to your knowledge and belief, complete and accurate.