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Why Public Liability Insurance Matters: Coverages and Exclusions

Third-party/Public Liability Insurance

What is third-party / Public liability insurance?

Third-party public liability insurance provides coverage for damages or injuries you cause to another person or their property.


Legal liability of the insured towards third parties to pay in respect of:

  • Accidental bodily injury to any person,
  • Accidental loss of or accidental damage to property,

Happening during the period of insurance and in the course of business within the territorial limits and occurring during the Policy Period.

The insurers will in addition pay all costs and expenses incurred with their written consent (if so specified in the Schedule).

Territorial Limits

Option (a) within business premises

Option (b) work away risks (if any work is carried out away from your premises).             

Limit of Liability

This is the maximum amount which the insurer pays in case of any admissible claim under the policy.

This limit is selected by the Insured.

Limit of indemnity is generally on any one occurrence basis.

In addition the insurer will also pay for the defense costs incurred with written consent (if so specified in the Schedule).

Main Exclusions

  • Liability towards own employees; (this is covered under Workmen’s Compensation Insurance /EL).
  • Loss of or damage to property in the care, custody and control of the insured; (this is covered under Property Insurance).
  • Loss of or damage to property being worked upon.
  • Injury, loss or damage caused by mechanically propelled road vehicles (this is be covered under Motor Insurance.
  • Liability arising out of defects in the products/ goods being sold, manufactured, altered or distributed (this is covered under Product Liability Insurance).
  • Liability arising out of professional services rendered (this is covered under Professional Indemnity Insurance).
  • Consequential Loss.
  • Fines and penalties.
  • Pure financial Loss (without any bodily injury or property damage).

Protect your business with Public Liability Insurance in Dubai from Omega Insurance Brokers. Whether you manage events or run a business, our tailored insurance for public liability ensures you’re covered. Trust us to safeguard your interests with comprehensive event management public liability insurance.

Safeguard your business with Public Liability Insurance in the UAE from Omega Insurance Brokers. Our expert team in Dubai offers comprehensive third-party liability insurance tailored to your needs. Trust our experienced public liability insurance broker to safeguard your interests.

Secure your business with Liability Insurance in Dubai from Omega Insurance Brokers. Our comprehensive third-party public liability insurance provides essential protection for your business, ensuring you’re covered against unforeseen claims. Trust our expertise in business public liability insurance to keep your operations running smoothly.

Protect your professional reputation with Professional Indemnity Insurance in Dubai from Omega Insurance Brokers. Our coverage ensures you’re safeguarded against potential claims. Additionally, we offer Personal Public Liability Insurance for comprehensive protection. Trust our expertise to keep you secure.

Is third-party liability insurance mandatory?

In many cases, third-party public liability insurance in dubai  is mandatory. (For example, auto liability insurance is required by law in most states to cover damages to other vehicles and injuries to other drivers in accidents you cause. Similarly, business liability insurance may be required by law or contractually mandated by clients or landlords.)

How much third-party liability coverage do I need?

The amount of coverage depends on various factors, including clients assets, potential risks, and legal requirements. It’s essential to consider insureds potential exposure to liability.

Can I add additional insureds to my third-party liability policy?

Yes, insurance policies allow you to add additional insureds, such as landlords, contractors, or business partners. Adding additional insureds extends liability coverage to them under your policy.

How do I file a claim under my third-party liability insurance?

To file a claim, you typically need to contact the respective insurance company or agent and provide details of the incident, including the date, time, location, and nature of the damages or injuries. The insurance company will investigate the claim and may provide compensation to the injured party or cover legal expenses as needed.


Public Liability Insurance in dubai is a crucial safeguard for businesses, providing essential coverage against accidental injuries and property damage caused to third parties. With tailored options to fit various business needs, this insurance ensures financial protection and peace of mind.

It covers legal liabilities, defense costs, and more within specified territorial limits, making it indispensable for business operations.

Get in touch with us today to learn more about our insurance options, including Business All Risk Insurance, Business Interruption Insurance, Product Liability Insurance, and Contractors All Risk Insurance. Discover how we can help protect your business!

Picture of Omega Insurance Brokers | Sajad Salim

Omega Insurance Brokers | Sajad Salim

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