Third-Party Injury
Specified bodily injury to third parties arising from business operations may be covered.
Liability Insurance
Public Liability Policy
Public Liability Policy is designed to address specified liability insurance risks, with coverage structured around the insured interest, policy limits and applicable terms.
Understand the cover
Claims guidance
Coverage choices
Customer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Liability insurance helps businesses manage specified legal liabilities arising from their operations, employees, products, professional services, property or other defined exposures.
Property Damage
Specified third-party property damage can be included.
Legal Defence
Defence and associated costs may be covered subject to policy terms.
Coverage Planning
Third-party bodily injury or property damage where covered.
Coverage Planning
Legal defence and related costs where the policy provides.
Coverage Planning
Professional errors and omissions for eligible professional indemnity products.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
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Third-party bodily injury or property damage where covered.
02
Legal defence and related costs where the policy provides.
03
Professional errors and omissions for eligible professional indemnity products.
04
Employment-related or statutory liabilities under relevant products.
05
Management liability and other specialised exposures where selected.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Intentional acts, fraud and liabilities specifically excluded by the wording.
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Contractual liabilities beyond the insured's legal liability unless expressly covered.
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Known circumstances not disclosed where relevant to the policy.
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Claims outside the retroactive, policy or reporting provisions.
Documents that may be requested
- Business profile and turnover/revenue information.
- Contracts, professional qualifications and risk-management details where relevant.
- Incident notices, correspondence and legal documents.
- Invoices, records, reports and evidence relating to the claim.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Notify the insurer as soon as a claim or circumstance becomes known.
02Do not admit liability or settle a third-party claim without appropriate advice where the policy requires insurer consent.
03Preserve correspondence, contracts and evidence.
04Provide legal or technical documents requested by the insurer.
05Cooperate with defence counsel, surveyors or appointed representatives.
FREQUENT QUESTIONS
Questions customers commonly ask
What is liability insurance for?
It protects against specified third-party or legal liabilities arising from defined business activities.
Does it cover every lawsuit?
No. Coverage depends on the insured liability, wording, exclusions, limits and reporting conditions.
Why are notification provisions important?
Liability policies may require prompt notification of claims or circumstances so the insurer can assess and manage the matter.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Public Liability Policy
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.