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.

IPB’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.