Public Liability Policy
Public Liability policies provide business, non profit,sporting and numerous other entities with protection against claims for compensation in respect of unexpected and unintended personal injury or property damage for which they may be legally liable arising out of their business activities.
The definitions of “Personal Injury” and “Property Damage” are broad. "Personal Injury" extends beyond actual bodily injury to mental injury and defamation. "Property Damage" includes both loss of or damage to tangible property and loss of use of tangible property which is undamaged.
In addition, the policy provides for the costs of defending these claims in court, as well as any necessary investigations or negotiations.
Specific areas for which coverage is available are: