Public liability covers claims arising from your premises or business activities, while product liability covers claims caused by products you manufacture, supply or sell.

A third party is generally someone outside your business, such as a customer, visitor, client, supplier or member of the public who suffers injury or property damage connected with your activities.

Employee injuries are generally handled under Workmen Compensation or Employers’ Liability rather than public liability. We review both exposures so the appropriate policies work alongside each other.

Yes, where this activity is declared and included. This is particularly important for contractors, cleaners, maintenance companies, installers and other businesses that regularly work away from their own premises. Public liability can extend to incidents arising where business operations are carried out.

The policy may respond depending on how the damage occurred and the exact wording. We check whether your work activities and the property you work around are properly addressed before arranging cover.

If your business uses subcontractors, let us know when arranging the policy. We check how they should be treated under the cover and make sure the policy is structured correctly for your operations.

Legal defense costs are commonly included in commercial liability policies. What differs between insurers is how those costs are treated — particularly whether they are paid within the liability limit or in addition to it. We check this before arranging the policy.

Not automatically. Product recall can require specific cover, so businesses with this exposure should have it considered separately when the policy is arranged.

The appropriate limit depends on your activities, locations, products, potential claim size and any limits required by clients, landlords or tenders. We compare suitable limits rather than using the same amount for every business.

Yes. Commercial contracts and tenders can specify minimum liability limits or particular policy requirements, so we review these before arranging the cover.

Document what happened and contact Triple H promptly before responding to any demand or agreeing liability. We notify the insurer, confirm what information is required and manage the claim through assessment and settlement.

We usually need your business activity, turnover, premises and locations, work carried out at client sites, products where relevant, required liability limits and any specific contract or tender requirements.