Public liability insurance has specific exclusions that are important for businesses to run without any mishaps and breakdowns.

 Here’s what it typically does not cover:

• Employee-Related Liabilities: Claims involving injury to your employees are not covered. These are addressed under Workmen’s Compensation or Employer’s Liability Insurance.

• Property in Your Care: Damage to property under your care, custody, or control is excluded. For such risks, property insurance.

• Work-Related Property Damage: Any loss or damage to property being actively worked upon is not covered.

• Motor Vehicle Incidents: Accidents involving road vehicles fall under motor insurance policies, not public liability insurance.
• Product Defects: Claims arising from defective products you manufacture, sell, or distribute are excluded and covered under product liability insurance.
• Professional Errors: Liabilities from professional advice or services are excluded and require professional indemnity insurance.
• Consequential Loss: Losses that occur as an indirect consequence of an incident, not through your business or types of equipment, are not covered.
• Pure Financial Loss: Financial losses without any associated bodily injury or property damage are not included.

The coverage you need for public liability insurance is based on the nature and size of your business. Whether small, mid, or large-sized businesses in the UAE, you must acquire this insurance against third-party injuries.

If your business falls under high-risk industries such as construction, manufacturing, mining, and other related sectors, requiring public liability insurance can be a must. 

Other than high-risk industry enterprises, it could be highly secured, but there is no guarantee that the business place can be safe. So, acquiring public liability insurance can be highly beneficial for businesses to avoid the future course of unexpected occurrences.

Public liability Insurance covers third-party injuries, property damage, legal expenses, and compensation claims arising from your business operations.

It also includes the fact that the insurance helps your business protect itself from legal liability against third-party injury or any accident occurrence.

Public liability insurance ensures financial protection and helps maintain your business reputation by addressing unexpected incidents involving customers, visitors, and other third parties.

As per the law, public liability insurance is not mandatory in the UAE; however, it is required and must be had for the companies to safeguard their business against third-party injuries, accidents, and property damage claims.

Beyond legal and contractual obligations, it builds trust, showing your clients and partners that you prioritize safety and responsibility.

With affordable premiums and flexible coverage, public liability insurance can be your risk-mitigation strategy, guaranteeing that your business will run hassle-free even after any accidents happen.