Public Liability Insurance is essential for businesses and individuals, providing financial protection against claims for injury, death, or property damage to third parties due to their activities. It ensures legal compliance and supports risk management practices, helping to manage the potential financial impact of third-party claims. With comprehensive coverage and customizable options, this insurance safeguards both the insured’s financial stability and their reputation.

Information Required

To obtain Public Liability Insurance, insurers typically require the following information:

• Business Details: Nature of the business, location, and scope of operations.
• Risk Assessment: Details about the potential risks and hazards associated with the business activities.
• Claims History: Record of any previous claims related to third-party injuries or property damage.
• Financial Information: Annual turnover and number of employees.

Coverage Details

This policy covers the legal costs and compensation payments that an insured party may be required to pay if a third party is injured, dies, or suffers property damage as a result of the insured’s activities. It includes coverage for incidents occurring on the business premises or as a direct result of business operations.

Insured Perils

The policy typically covers the following perils that can lead to third-party claims:

• Bodily Injury: Injuries sustained by third parties due to the insured’s negligence or activities.
• Property Damage: Damage to third-party property caused by the insured’s operations.
• Accidents: Unintentional incidents resulting in injury or property damage.
• Legal Expenses: Costs associated with defending against claims in court.

Exclusions

While Public Liability Insurance provides comprehensive coverage, certain exclusions apply. The policy generally does not cover:

• Injuries or damages resulting from deliberate or intentional acts.
• Claims arising from professional services or advice (covered under professional indemnity insurance).
• Damage to the insured’s own property or injuries to their employees (covered under employers liability insurance).
• Fines, penalties, or punitive damages imposed by regulatory authorities.

Benefits

Public Liability Insurance offers several benefits, including:

• Financial Protection: Covers the cost of compensation and legal fees, reducing the financial burden on the insured.
• Risk Management: Encourages the implementation of safety measures to prevent incidents and claims.
• Reputation Management: Helps maintain the insured’s reputation by ensuring quick resolution and compensation for third-party claims.
• Legal Compliance: Assists businesses in complying with contractual and legal requirements for third-party liability coverage.

Requirements for Coverage

To obtain coverage, please provide the following:

• Premium Payment
• Fully Completed Proposal Form
• Copy of Identification (ID)
• Copy of Taxpayer Identification Number (TIN) Certificate/Valid NIDA ID

In the Event of a Claim

For assistance with your claim, please contact us at:

• Phone: +255 718 422 229
• Email: claims@bluetickinsurance.com

Minimum Claim Requirements

To process your claim, please provide the following documents:

• TIN Number/Certificate/Valid NIDA ID
• Completed Claim Form
• Any Additional Documents Requested

Ensure that you have all required documents to facilitate a prompt and efficient claims process.