what does public liability insurance cover

What Does Public Liability Insurance Cover?

If you’re wondering, “What does public liability insurance cover?” you’ve come to the right place. Liability coveris a vital protection for businesses and individuals who interact with the public. In this blog, we will provide a comprehensive overview of public liability insurance coverage, explaining its scope and importance. Whether you’re a business owner or an individual offering services, understanding the coverage offered by liability insurance is crucial to safeguard yourself and your assets.


What is Public Liability Cover?

Public liability is a type of insurance that provides coverage for individuals or businesses in the event of third-party claims for property damage or bodily injury. It offers financial protection against potential legal liabilities arising from accidents or incidents that occur on your premises or because of your business operations. Is your business properly insured?

Many businesses in Ireland are protected by liability insurance. For example, taxi drivers will often secure liability insurance to go alongside their taxi insurance to ensure full protection. Let’s explore what does public liability insurance cover.

what does liability insurance cover   bodily injury

Key Coverage Areas

Public liability typically covers the following areas:

1. Bodily Injury

Liability insurance can provide coverage for compensation claims if someone is injured on your premises or as a result of your business activities. This includes medical expenses, loss of income, and other related costs. Remember, this can happen even if you’re a business owner who spends most of your time on the road! The weather in Ireland can cause hazardous driving conditions, making it difficult to see pedestrians at times. Here are 12 top tips for driving on Irish roads in the rain.

2. Property Damage

If your business activities cause damage to someone else’s property, this type of insurance can cover the costs of repair or replacement.

3. Legal Expenses

Liability insurance can help cover legal costs if a claim is made against you. This includes hiring legal representation and any associated court fees.


What Does Public Liability Insurance Not Cover?

While liability insurance offers valuable coverage, it’s important to understand its limitations. For this reason, it’s always a good idea to take extra precautions. Have you considered installing CCTV or dashcams for your commercial vehicles?

Public liability typically does not cover:

1. Employee Injuries

It does not typically cover injuries sustained by your employees. For this, you’ll need employers’ liability insurance. With Insure My Van, you can enjoy peace of mind by availing of both!

2. Professional Negligence

Public liability generally does not cover claims arising from professional advice or services. Professional indemnity insurance is more suitable for such scenarios.

3. Intentional Acts

Public liability does not cover intentional acts of harm or damage caused by the insured party.

what does public liability cover   protection

How Important It Is?

Now that you know what liability insurance does and doesn’t cover, here’s why it’s essential:

1. Protection from Financial Loss

Public liability provides financial protection in the event of a claim, helping to cover legal costs and compensation payments. Without insurance, these expenses could significantly impact your business or personal finances.

2. Meeting Legal Requirements

In some cases, public liability is legally required for certain professions or when working with specific clients or organizations. It’s important to check your local regulations to ensure compliance.

3. Building Trust and Confidence

Having public liability insurance demonstrates professionalism and responsibility to your clients. It can give them peace of mind, knowing that they are protected in the event of an unforeseen incident.


Understanding what does public liability insurance cover is essential for anyone engaging with the public. It provides vital protection against potential financial liabilities resulting from accidents or incidents. Thinking of setting up a limited company in Ireland? Whether you’re a business owner or an individual offering services, having liability insurance is a smart investment.

To ensure you have the right liability insurance coverage for your needs, trust Insuremyvan.ie. Our expert team can help you navigate the complexities of insurance and provide tailored solutions to protect you and your business. Visit our website today to learn more and request a quote.


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