What is not covered in public liability insurance? 

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.