Public Liability is an important insurance for charities, social enterprises and faith-based organisations. It protects you from the cost of claims made by third parties (such as a member of the public, a service user or another organisation) for injury or damage to property caused by your organisation’s negligence. It also provides cover for damage or injury caused by property or land which the Insured owns or controls (Property Owner’s Liability).
The cover will also include negligence in the provision of medical treatments where the service is provided by a qualified practitioner, following instructions or administering prescriptions provided by a medical professional.
Products Liability covers you for the cost of a claim for injury or damage caused by a product you either supply or produce.
These two insurances are often packaged together.