Public Liability and Property Damage Insurance

Does public liability insurance cover property damage?*

Our team of business insurance brokers are often asked whether public liability insurance covers property damage?

The answer is while public liability insurance may cover damage to someone else’s property it typically will NOT cover damage to your own property.

Therefore if you work remotely , that is from premises that you neither own or lease, public liability insurance is a core cover you require.

If you operate from a business premises, that you either own or lease you will need commercial property insurance in addition to public liability insurance.

What covers should businesses operating from premises they own or lease consider?*

Many businesses that operate from their premises they own or lease take out the covers they consider most important to them from a Business Insurance Pack, which can include:

• Property Damage
• Fire and Perils
• Business Contents
• Fixtures and Fittings
• Stock
• Business Interruption
• Business Assets
• Theft & Money
• Public and Product Liability,
• Glass etc

Important : water damage may not be covered. Please check your policy schedule carefully. A SMART business insurance broker may be able to assist you get the specific coverage inclusions you are after.