Your business, protected against third-party claims.
Public liability insurance covers your legal liability for bodily injury, death, and property damage suffered by third parties in connection with your business activities - so a single incident doesn't threaten your operation.
Per occurrence
LIMIT OF INDEMNITY
Lloyd's
Reinsurance backing
Note: Public liability covers claims from third parties. Claims from your own employees require a separate Employers Liability policy, which is a legal requirement in Zambia.
What public liability covers
Indemnity for all costs arising from third-party injury and property damage claims connected to your business.
Bodily Injury & Death
Legal liability for damages awarded to third parties who suffer bodily injury or death in connection with your business.
Property Damage
Covers damage to third-party property - including buildings, vehicles, and equipment - caused by your business activities.
Claimants' Legal Costs
The successful claimant's legal costs and expenses are included within the limit of indemnity.
Disease & Illness
Third-party claims for disease or illness arising from your business activities are covered alongside physical injury.
What is not covered
Public liability has a wide scope but clear boundaries - each exclusion points to the correct policy for that risk.
Employee injury
Injuries to your own employees are covered under Employers Liability, not Public Liability.
Your own property
Damage to property you own is a material damage risk - covered under a property policy.
Products liability
Claims arising specifically from goods you sell or supply require a Products Liability policy or extension.
Contractual liability
Liability assumed by contract beyond what you would otherwise be liable for at law is excluded.
Professional negligence
Advice-related claims require a Professional Indemnity policy - excluded from the PL scope.
Motor vehicles
Liability arising from use of a motor vehicle is covered under a motor policy.
Deliberate acts
Intentional damage or harm is excluded under a standard accident-based policy.
War & radioactive risks
Standard exclusions for war, nuclear contamination, and explosive nuclear assembly.
The right limit for your business
The correct limit of indemnity depends on your business size, the nature of your operations, and who you work with. We assess your actual risk so you're neither underinsured nor paying for more than you need.
Speak to a SpecialistSector-calibrated limits
Indemnity limits set based on your industry, footfall, and contract requirements.
Fast turnaround
Receive a clear, competitive quote with no lengthy delays.
Dedicated account manager
One contact who knows your business and handles every aspect of your cover.
Licensed Zambian broker
Cover placed with reputable, regulated insurers and reinsured through Lloyd's and Matrix Africa.
How it works
How to get public liability cover
01
Describe your business
Tell us what you do, where you operate, and the nature of your customer interactions.
02
Risk assessment
We review your activities and recommend an appropriate limit of indemnity.
03
Receive your quote
A clear, itemised quote prepared for you.
04
Cover activated
Policy confirmed and third-party liability protection is in place immediately.
Cover starts as soon as your policy is confirmed.
Get a QuoteFrequently Asked Questions
Public liability insurance provides indemnity to your business for legal liability to third parties - members of the public, clients, or other businesses - for bodily injury, death, disease, or property damage that happens in connection with your business activities during the period of insurance.
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