Wednesday August 20, 2008
Hong Kong Hong Kong
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Public Liability
Public LiabilityPublic Liability

Managing a business creates considerable legal responsibilities towards your employees, your customers and to the general public. While injury to your employees is protected under the compulsory Employee’s Compensation, those suffered by members of the public could still result in your engaging in a lawsuit and paying a hefty compensation if you or your employees are proven to be negligent.

Unpleasant as it is, accidents, be they big or small, do occur. This is why we’d recommend you to protect yourself by buying this product. Protect yourself against potentially ruinous accidents and get your business insured today!

This description is intended to be a general summary of the type of coverages included in this product. Your needs maybe very different and will need different kinds of cover to actually manage the risks involved. We understand this and are happy to built a specific policy that will meet your requirements.

Summary of Cover

A standard Public Liability policy, subject to certain exceptions, covers:
  • Accidental Bodily injury or damage to physical property of the third party
Exclusions
  • Deductible as specified

  • Injury to any employees

  • Claims arising out of a breach of duty owed in a professional capacity

  • Fines or penalties

  • Exemplary or punitive damages

  • Any claims attributable to HIV

  • Terrorism Exclusion

  • Nuclear/ Ionizing Radiations/ Contamination by radioactivity from any nuclear fuel or waste

  • Asbestos Exclusion

  • Pollution Exclusion

  • IT Clarification/ Information Technology Hazards Exclusion
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