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Public Liability Insurance
Cover starting from as little as R150*
Legal support for covered claims
We can offer up to R100 million cover
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Protect your business with
Budget Public Liability Insurance
At Budget Insurance, we're all about helping you grow your business, knowing you are protected from the potentially devastating consequences of unexpected risks. Our comprehensive coverage ensures you can focus on what you do best, without constant worrying of what could go wrong. Turn your business into an empire with confidence and peace of mind - and without breaking the bank.
What is Public Liability Insurance?
Public Liability is there to protect your business when things don't go as planned. It covers you if you're held legally responsible for causing any injury or damage to a third party or their property. Whether it's on your business premises or when your employees are at your clients premises, if something goes wrong due to a negligent act during your insured business services, Public Liability Insurance steps in.
Who needs Public Liability Insurance?
Who needs Public Liability Insurance?
Public Liability Insurance is essential for a wide range of businesses and professionals, particularly those who face risks of causing property damage or injury to third parties due to their activities. Any business that interacts with customers, clients, or the public, or operates in a space where others could be injured or property could be damaged, should consider Public Liability Insurance to protect against the impact of potential claims. This includes:
Artisans/tradesmen
Retailers and Shops
Service Providers
Manufacturers and Distributors
Professional Offices
Hospitality and Food Services
Artisans/tradesmen
Retailers and Shops
Service Providers
Manufacturers and Distributors
Professional Offices
Hospitality and Food Services
Get Public Liability Insurance with Budget Insurance
Budget Insurance provides Public Liability Insurance to shield your business from unexpected risks. Get a quote today for comprehensive coverage that ensures legal protection and peace of mind, no matter where your business takes you.
What is the difference between public liability, defective workmanship and products liability?
Public liability
Public liability insurance protects you if something goes wrong while you're working on a project, before it's finished and handed over. For example, if you accidentally damage someone's property or cause an injury during the work process, this insurance has your back.
Defective workmanship
Defective workmanship insurance kicks in after the work is completed and handed over. If issues arise due to faulty work, this insurance covers the resulting damage or injuries. However, it's important to note that neither public liability nor defective workmanship insurance will cover the costs of fixing or redoing the faulty work itself.
Products liability
Products liability insurance covers any damage, loss, or injury caused by a product you've supplied after it's been handed over to the customer. For instance, if a product you sold causes harm to someone, this insurance will help cover the costs. But remember, it won't cover the cost of replacing the defective product itself.
Public liability
Public liability insurance protects you if something goes wrong while you're working on a project, before it's finished and handed over. For example, if you accidentally damage someone's property or cause an injury during the work process, this insurance has your back.
Defective workmanship
Defective workmanship insurance kicks in after the work is completed and handed over. If issues arise due to faulty work, this insurance covers the resulting damage or injuries. However, it's important to note that neither public liability nor defective workmanship insurance will cover the costs of fixing or redoing the faulty work itself.
Products liability
Products liability insurance covers any damage, loss, or injury caused by a product you've supplied after it's been handed over to the customer. For instance, if a product you sold causes harm to someone, this insurance will help cover the costs. But remember, it won't cover the cost of replacing the defective product itself.
What does Public Liability Insurance cover?
Public Liability policies provide cover for businesses when they are held legally liable by third parties for bodily injury and/or property damage suffered by the third party, caused by the insured's negligence in:
- Making sure that their premises are safe
- Making sure that their employees take care when working at third parties' premises
- Making sure that their products are safe
- Making sure that they carry out their work to an acceptable standard
How can you extend your policy to include even more protection
Boosting your Public Liability Insurance keeps your business protected from unexpected risks. By adding extensions, you tailor your coverage to fit your unique needs, adding a layer of security against potential claims. Whether it's more property damage, wider injury protection, or legal liabilities beyond your usual operations, these extensions give you peace of mind. With the right coverage, you're not just covered - you're ready for anything that comes your way, all without breaking the bank.
We offer these optional extensions and much more:
Advertising liability
Provides cover for alleged liable, slander, defamation, copywrite infringement which arises out of your advertising activities.
Wrongful arrest
Cover for claims arising out of wrongful arrest, committed or alleged (other than by you) to have been committed by you in the course of your business.
Incidental medical malpractice
Cover for a negligent act, error or omission in the professional services rendered or which should have been rendered by any medical practitioner, nurse or other medical official in your full or part-time employment.
Claims preparation costs
Cover for costs incurred by you to produce and certify any particulars or quantifications of the claim expressly requested by us in order to investigate any claim.
Products Inefficacy
Cover for any other party alleging that they suffered financial loss by reason of tangible property (other than your products) being due to or alleged (other than by you) to be due to the failure of your product/s to perform as specified, warranted, guaranteed and/or to fulfil the intended function.
Pure economic Loss
Cover for claims arising from negligence (other than in the provision of professional services) in the course of the business.
Contractor’s liability
Cover for claims arising from injury and/or damage arising out of or in connection with any construction works undertaken by or on your behalf but excluding damage to property for which indemnity is provided in terms of a contract works policy, whether insured or not.
Excess motor liability
This insurance extends to indemnify you for any amounts in excess of any underlying motor liability insurance as stated on your schedule. Subject to R5m minimum underlying limit.
Negligent advice
Cover for claims arising from negligent advise that was given in the course and scope of your work including in connection with a product but excluding advice given for a fee.
Provides cover for alleged liable, slander, defamation, copywrite infringement which arises out of your advertising activities.
Cover for claims arising out of wrongful arrest, committed or alleged (other than by you) to have been committed by you in the course of your business.
Cover for a negligent act, error or omission in the professional services rendered or which should have been rendered by any medical practitioner, nurse or other medical official in your full or part-time employment.
Cover for costs incurred by you to produce and certify any particulars or quantifications of the claim expressly requested by us in order to investigate any claim.
Cover for any other party alleging that they suffered financial loss by reason of tangible property (other than your products) being due to or alleged (other than by you) to be due to the failure of your product/s to perform as specified, warranted, guaranteed and/or to fulfil the intended function.
Cover for claims arising from negligence (other than in the provision of professional services) in the course of the business.
Cover for claims arising from injury and/or damage arising out of or in connection with any construction works undertaken by or on your behalf but excluding damage to property for which indemnity is provided in terms of a contract works policy, whether insured or not.
This insurance extends to indemnify you for any amounts in excess of any underlying motor liability insurance as stated on your schedule. Subject to R5m minimum underlying limit.
Cover for claims arising from negligent advise that was given in the course and scope of your work including in connection with a product but excluding advice given for a fee.
Stay protected with Public Liability Insurance from Budget Insurance.
Simply click the ‘Get a Quote’ button to get started!
What is not covered under Public Liability Insurance?
While Public Liability Insurance offers broad protection, these are some of the exclusions:
The cost of redoing or rectifying any work
Claims for liability from something that happened before the retroactive date.
Damage caused by Acts of Nature.
Cyber Risks.
Fines, penalties and exemplary damages.
Products guarantee, warranty and recall.
Contractual liability and penalties.
Aviation and air tower risks.
The cost of redoing or rectifying any work
Claims for liability from something that happened before the retroactive date.
Damage caused by Acts of Nature.
Cyber Risks.
Fines, penalties and exemplary damages.
Products guarantee, warranty and recall.
Contractual liability and penalties.
Aviation and air tower risks.
Related business insurance solutions
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Business
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Protects your business at every stage, from your office to your equipment, we offer insurance policies to meet your needs. We’ve got you covered for any sort of business with flexible business Insurance options.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Business
Insurance
Protects your business at every stage, from your office to your equipment, we offer insurance policies to meet your needs. We’ve got you covered for any sort of business with flexible business Insurance options.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Frequently Asked Questions
What are the insured policyholder’s obligations to enjoy cover?
In order to enjoy cover, the insured needs to ensure that all premiums are paid and up to date. In addition, all policy terms and conditions must be adhered to including, but not limited to, notifying the insurer of new potential claims as circumstances arise, notifying the insurer of any material changes to the insured’s risk profile or disclosing truthful and accurate underwriting information.
What is a retroactive date and how does it affect cover?
The retroactive date is a specific date in the past, which can potentially be prior to the inception date of your policy. This date determines from when unknown circumstances will be covered by the current policy. Any circumstances occurring prior to the retroactive date, whether unknown or not and irrespective of when reported, will not be covered.
Your retroactive date can be carried over from one insurer to the next provided that all premiums are paid and there has been continuous uninterrupted cover.
Missing just one month’s premium will cause a break in cover and will erase all previously accumulated retroactive cover and the date on which you resume premium payments will then become your new retroactive date.
How does policy/premium payment work?
- Budget Insurance accepts annual and monthly premium payments.
- Should you opt to pay your premiums monthly, payments are made in advance on the agreed date.
What is a limit of indemnity?
- The limit of indemnity refers to the maximum amount payable by the policy for any claims made against the policy during any policy period.
- The limit of indemnity operates on an aggregate basis and will reset after each policy period upon renewal.
What is the correct limit of indemnity to pick?
- The correct limit of indemnity is largely determined by the overall risk exposure of the business.
- There is no “one size fits all,” and it is the insured’s responsibility to ensure that they purchase an adequate limit to cover their total exposure.
- Always bear in mind that, as the policy is an all-cost inclusive policy, provision must be made within the limit to cover any and all possible investigation and legal defence costs over and above the liability exposure of the business.
Don’t delay, cover your business today
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