What's Not Covered By Public Liability Insurance Policy

Not everything is included in a public liability insurance policy, so what's not covered? The following things are 'generally' excluded by most insurers:

  • Anything relating to asbestos
  • Things involving aircraft
  • Worker’s compensation
  • Product recalls
  • Punitive or liquidated damages — this is where your actions are deemed by a judge to have been so poor that you are ordered to pay extra damages
  • Faulty workmanship

You should also bear in mind that public liability policies also have some limitations in terms of how much they will pay out — there is typically a limit to how much can be paid out per claim, as well as a limit on the total amount that can be paid out under a policy as a whole.

What is public liability insurance?

What are common limitations in public liability policies

  • Your policy may restrict the height and location you work
  • It may exclude some business activities, like high-pressure cleaning
  • Provision of Advice
  • Heat work (welding and thermal cutting)
  • Underground Services
  • Hazardous Workplace and Sites Exclusion
  • Faulty workmanship

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs. Please read the Product Disclosure Statement and contact us if you require any clarification.

Sources Insure247

Underwriting Agencies and Insurers Now Covering More Public Liability Risks

Does Public Liability Insurance Cover Business Car Accidents?

What Should You Disclose When Applying For Public liability insurance