Public Liability Insurance

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:


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

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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 is the difference between Public liability and Commercial General Liability?

There is no difference between the two in Canada. Public Liability Insurance is a term that is more popular overseas, especially in the UK and US. In Canada, the same coverage is provided by Commercial General Liability, often simply referred to as General Liability Insurance, CGL, or even just Liability Insurance.

Does Public Liability provide coverage for errors and omissions?

No, Public Liability Insurance only provides coverage for accidental injuries and property damage to third-parties. Errors and omissions in service are covered under a separate policy called Professional Liability Insurance, also often referred to as Errors and Omissions Insurance. If a client were to be injured due to a service you provided, you would require Professional Liability Insurance to cover you in such a scenario.

Does Public Liability provide coverage for damage to my business’s property?

No, Public Liability Insurance is designed to protect you in claims from third-party injuries or property damage. Your own property is not covered under this policy. If you own expensive property and equipment and require coverage, discuss with your broker to get Contents Coverage or Equipment Breakdown Coverage.

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