Public liability

Cover for claims that a business's operations have caused injury or damage to someone else, or their property.

Why this often comes up alongside equipment cover

Equipment that's used on other people's property, around the public, or by staff working on a client's site, can raise public liability questions that are separate from the equipment's own insured value. Equipment insurance generally protects the asset; public liability generally relates to the consequences of how and where it's used.

Worth raising with a broker

Whether existing public liability cover extends to newly financed equipment, or to new types of work a business is taking on, is a reasonable and common question — and one a broker can usually answer quickly once they understand the business.