A basic Public Liability Policy protects the Insured against his own liabilities as well as legal liabilities of his employees and representatives for death, sickness or accidental injury to third parties and for loss of or damage to property which happens in connection with the business insured under the policy and occurs during the period of cover of the policy.

Territorial Limits

Our policy is extended to cover anywhere in Singapore and is subject to Singapore jurisdiction.

Limit of Indemnity

The maximum amount Insurers are prepared to indemnify following a claim will be specified in the policy schedule. Normally this is a limit for any one occurrence or accident, or event (or a series consequent on or attributed to one source or original cause). The indemnity is usually unlimited in amount during any one Insurance Period.

The limit of liability applies to compensation payable as well as claimants costs and expenses. In addition, the insurers will also pay costs and expenses incurred by or with its written consent to defend the claim in Court by its lawyer.

Main exclusions

Liability in respect of / assumed / for:

• Loss injury or damage caused by or in connection with any passenger lift, escalator or mechanically propelled vehicle licensed for road use or for which a Certificate of Insurance is required owned or used by, in the possession of or on the behalf of the Insured.
• Persons working or under a contract of service for the Insured will not be covered if they are injured, become ill or contract a disease while working for the Insured.
  
• Any breach of contract by the Insured that the Insured has signed with another party which arises in a claim.
• Loss of or damage to property:
  (i)   belonging to the Insured
  (ii)  in the charge or under the control of the Insured
  (iii) by steam boilers or any boiler vessel or other apparatus which is
        intended to operate under internal pressure due to steam belonging
        to or in the charge or under the control of the Insured. This exclusion
        applies only to property damage and not to bodily injuries
• Pollution, Contamination, Nuclear devices
• War, Invasion, Act of Foreign Enemy Hostilities, Civil War, Military Usurped Power, Terrorism and Asbestos
  
• Advice or Professional Negligence

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	Fire A Fire Policy provides indemnity for loss or damage to insured property resulting from the perils such as fire, lightning and explosion.