Which insurance covers claims by customers injured on business premises?

• A. Product Liability Insurance
• B. Professional Indemnity Insurance
• C. Employers Liability Insurance
• D. Public Liability Insurance

Answer: (D)

Public liability insurance covers claims from customers who are injured or have their property damaged as a result of the business’s activities on its premises. If a shopper slips, falls, or is otherwise harmed while on site, this policy helps pay for legal defense and any compensation awarded, up to the policy limit. It focuses on injuries or damages to members of the public, not to employees. That’s why it’s the right type for incidents involving customers on the business premises.

It’s different from employers liability, which covers injuries to employees; product liability, which covers harm caused by the products a business sells or supplies; and professional indemnity, which covers financial loss arising from professional advice or services.