Public Liability Insurance
Public Liability insurance is a type of liability coverage that protects your business against claims resulting from bodily injury or property damage to third-parties.
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What is Public Liability Insurance?
Public Liability Insurance covers the costs of defending your business in lawsuits and payments of claims by a member of the public, if the claims are related to bodily injury or property damage to a third-party. Please note that damages to yourself, your employees, or your own property is not covered under this policy! If you provide a service, damages to your clients are also not covered by this policy, but may be covered under professional liability insurance for service providers.
What does Public Liability Insurance cover?
The most common insurance claims that businesses in Canada face are bodily injuries or property damage to third-parties. Public liability insurance may provide protection in the event that a third-party is injured, or suffers damage to their property, at your place of business or if you and your employees are operating at a third-party’s premises.
Your business may also require additional insurance coverage. Explore the following business insurance policies for specific coverage information:
- Cyber Liability
- Directors’ and Officers’ Liability
- Professional Liability (also known as Errors and Omissions)
Who needs Public Liability Insurance?
Public Liability Coverage is important for the long term safety of any business and may cover the financial costs related to unforeseen events such as lawsuits or litigation.
Getting insurance should be seen as a normal aspect of running a business responsibly. It protects your personal assets depending on your type of incorporation, it protects your life’s work, it protects your employee’s livelihood and it protects your clients as well.
What is the cost of Public Liability Insurance?
The cost of an insurance policy varies according to factors such as:
- Industry
- Level of experience in the industry
- Revenue
- Area of operations
- Previous insurance claims
Getting insured is quick and easy!
If public liability insurance is what you need, request a free quote now
Which Small Businesses Require Liability Insurance?
Regardless of the type of business you own, having insurance is critical for almost any business including:
Accountants
Accounting Firm
Actuaries
Advertising
Aerial and ground based Photographers / Videographers
Alternative Energy
Architects & Engineers
Appraisers
Bookkeepers
Broadcasters
Building Designers (Bill 124)
Business Consultant
Chiropodists
Civil engineers
Collection Agencies
Consultants
Chiropractors
Design Firms
Directors and Officers
Employment Agencies/Recruiters
Engineers
Environmental Engineers
Energy Audits & Assessments
Financial Advisors
Financial Planners
Foreign Legal Consultants
Holistic Professional
Hotel Consultant
Home Inspectors
Human Resources (HR) Consultant
Immigration Consultants
Information Technology & Computer Consultants
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Independent Contractor
Product Designers
Professionals Liability
Lawyer’s Excess Professional Liability
Management Consultants
Medical Related
Medical Professionals (Malpractice Insurance)
Medical Students (Malpractice Insurance)
Multimedia designers
Mortgage Brokers
Naturopaths
Occupational Health and Safety Consultants
Quality Control Consultants
Placement Agencies
Podiatrists
Process Servers
Private Investigators
Project Managers
Property Managers
Paralegals
Publishers and Printers
Recruitment and Employment Agency
Recruitment Consultants
Safety Engineers
Service Organizations
Solar & Wind Farm Engineers & Consultants
Staffing Agencies
Structural Engineers
Sub Contractor
Surveyors
Therapist Professionals
Training Providers/Trainers
Travel Agencies
Travel Agents, Tour operators
Web-Site Designers
Web Developers
Workplace Engineers & Consultants
Frequently Asked Questions about Public Liability Insurance
What our customers friends say about us
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Learn why thousands of Canadian small businesses trust us with their insurance needs.
Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.
The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.
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