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A business owner serving customers at their premises with protective mosaic elements, illustrating APA Public Liability Insurance

Solutions > Insure > Business > Protect Your Business > Public Liability

Cover Your LegalLiability to thePublic

Third-Party Injury Cover

Accidental injury or death to the public

Property Damage Cover

Damage to third-party property included

Get Your Public Liability Quote

What is Public Liability Insurance?

Public Liability indemnifies the insured against legal liability for accidental death, bodily injury or disease to any person, and accidental loss of or damage to material property, occurring within the defined geographical territory through the fault or negligence of the insured in the course of business. Accidents involving customers, visitors or the public can lead to costly claims — this cover protects your business with defence costs included.

Highlights

  • Indemnifies your business against legal liability for accidental third-party injury, death or property damage.
  • Covers claims arising from your business activities within the defined geographical territory.
  • Legal costs and expenses covered with APA's written consent.
  • Extensive extension menu — customers' property, riot & strike, subcontractors, contract works and more.
A business owner serving customers at their premises, protected by APA Public Liability Insurance
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What is Covered and Not Covered Under Public Liability?

Public Liability protects your business against legal liability for accidental injury to third parties or damage to their property. Toggle between the categories below to explore your cover.

1

Third-Party Bodily Injury

Legal liability for accidental death, bodily injury or disease to any person arising from your business activities.

2

Third-Party Property Damage

Accidental loss of or damage to material property belonging to third parties through your fault or negligence.

3

Business Activities

Claims arising in the course of business within the defined geographical territory.

4

Legal Costs & Expenses

Litigation costs and expenses incurred with APA's written consent in connection with covered claims.

5

Premises & Operations

Liability from premises, operations and activities that expose the public to potential injury or damage.

6

Extension Clauses Available

Optional extensions include customers' property, riot & strike, subcontractors, tools of trade and contract works.

Talk to a Liability Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your business.

Eligibility & Requirements for Public Liability

Eligibility Criteria
Specifications
Who Qualifies
Businesses, premises owners and occupiers whose activities expose third parties to potential injury or property damage.
Documents
Completed proposal form with business description, turnover/wages, premises details, claims history and required limit of indemnity.
Cover Scope
Accidental third-party bodily injury/death and damage to third-party property arising from business activities.
Rating Basis
Nature of business, turnover/wages, public exposure to premises/activities, claims history and limit of indemnity.

How to Buy APA Public Liability?

1

Complete the Public Liability proposal form with your business description and turnover.

2

Declare premises details, claims history and required limit of indemnity.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

Receive your policy protecting your business against third-party liability claims.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

Your legal liability for accidental injury or death to third parties, and accidental damage to their property, arising from your business — plus defence costs.

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