Public Liability Insurance covers you for actual or alleged negligence caused by you or your employees which results in bodily injury or property damage to a third party. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.
Products Liability Insurance covers you for actual or alleged bodily injury or property damage to a third party arising through use of a product sold, supplied, or manufactured by you. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.
A Pilates Instructor runs small group Pilates classes out of their studio. In an earlier class a client spilled some water on the floor from their water bottle and did not bring it to the Instructor’s attention. As the next group prepare for the class in the room, an elderly participant slips on the wet floor, causing the patient to fracture their hip. Action is taken by the patient against the Pilates instructor and it is found through investigation, that the Pilates Instructor was negligent as they should have checked the room for any hazards prior to the next class starting. They are found liable for the damages and their Medical Malpractice Public Liability policy responds to pay.
A Complementary Therapist sells essential oils to their clients. The essential oils are made by the Complementary Therapist. Due to the sale of undiluted essential oils, they receive a complaint from a patient about burns to their arms and neck. Action is taken out against the Complementary Therapist for the supply of a dangerous product, and their Products Liability policy responds to defend them and pay any settlement