What is Public and Products Liability?
Public and Products Liability covers the compensation costs and legal fees you are required to pay if someone other than an employee is harmed, or their property is damaged, because of your business activities. Market and event organisers will usually require that you hold this insurance and may request to see proof of cover.
Public and Products Liability (£10,000,000 limit) + Employers’ Liability
£98.50
per year*
Features & Benefits
Protects against claims by third parties for death, bodily injury (including illness), or property damage
Limits of Indemnity of either £5,000,000 or £10,000,000 any one event (for Products Liability all events in the period of insurance)
Option to increase the Limit of Indemnity to £10,000,000 part way through the period of insurance for a set additional premium
Covers online sales for similar products sold at craft or market stalls (excluding sales to USA or Canada)
No excess
Including:
- Principals Liability – event organisers often stipulate this extension is required
- Libel and Slander - £250,000 limit for all claims in the period of insurance
- Data Protection - £5,000,000 for all claims in the period of insurance
- Safety Legislation – assists with legal representation in connection with alleged breaches of statutory duties
- Compensation for court attendance - £500 per day (where AXA request your attendance at court)
Main Exclusions
- Aviation and hovercraft products
- Safety critical motor products
- Firework products
- Hot work activities (other than the cooking of food)
- Products sold to USA or Canada, whether knowingly or unknowingly
- Second hand electrical products
- Vaping and e-cigarettes including replacement liquids, chargers and accessories
- Treatment (whether be physical, mental, or cosmetic) other than the sale of proprietary cosmetics
- Product recall or rectification of defects
- Delivery of Professional Services
Do you need insurance cover?
Public and Products Liability starts from only £59 per year*, apply and buy online now
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Need more information?
Our Summary of Cover & Policy Wording provides the key features, extensions and exclusions
