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Public Liability Insurance

Public Liability Insurance

Accidents can happen, even when an organisation does everything right and has the best risk management practices in place. A member of the public or a client can suffer a loss or injury at any time, as a direct result of your business activities, ranging from bodily injury to damage to their property.
A Public Liability Insurance Policy is essential cover for every organisation. With the right cover in place your organisation can operate knowing that if a member of the public is accidentally injured by you or one of your employees in the course of your business activities, your insurance would cover the compensation payment plus any legal expenses.

Summary of Cover

IPB Insurance’s Public Liability Policy provides cover in respect of your organisation’s legal liability for damages, defence costs and claimants’ costs and expenses:
·         In respect of accidental bodily injury to any person (other than employees); and 
·         accidental loss or damage to third party material property arising out of and in connection
          with your business activities.
Limits of indemnity from €1 million and upwards are available on request. Cover is provided to any director, employee or senior official of the Insured in respect of any claim brought against them in a personal capacity and arising out of or in connection with the Insured’s business.
Cover includes private work carried out by an Employee for the Insured or for any Director, Employee or senior official of the Insured.

Additional Features  
  • Cover automatically includes the provision and management of the Insured’s canteen, social sports or welfare organisations including the provision of first-aid, fire or ambulance services for the benefit of Employees.
  • The policy automatically provides sudden and accidental pollution cover arising in connection with the Insured’s business activities.
  • Cover provides for the payment of all daily court attendance costs by any director, employee or senior official of the Insured as a witness in connection with any claim.
  • The policy can be extended to provide cover in respect of the legal liability arising out of any passenger lift, elevator or escalator owned by the Insured or for which they are responsible, provided that such equipment is the subject of a maintenance contract or a procedure as required by statutory regulations.
This is a brief summary of our Public Liability Insurance Policy. For further information about this policy and our terms & conditions please contact us today.

Why Choose IPB Insurance? 
  • In today's environment, it is crucial to ensure that your interests are protected by an insurance company that fully understands risk.
  • With over 88 years experience in underwriting major property and liability risks, our underwriters and claims managers are among the most experienced in Ireland.
  • We will tailor a policy to meet your exact business requirements.

Enquire About this Product
Contact our New Business Team for more details:
Tel:  + 353 1 639 5500
Fax: + 353 1 639 5510





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