About public liability insurance
Public liability insurance is designed to provide companies with protection against accidents or incidents in their daily operations that cause injury to others or property damage. This kind of insurance is suitable for a variety of occasions when companies interact with the public, including at business premises, event sites, or in the process of providing services. When an enterprise is identified as the responsible party, public liability insurance covers related medical expenses, legal expenses and compensation.
About product liability insurance
Product liability insurance specifically addresses the risks that may occur in the process of supplying, selling, or manufacturing products. If the product causes an accident due to defects, design problems or insecurity, causing injury to others or property damage, the insurance will provide protection for the enterprise. This applies to product-related companies such as manufacturers, suppliers, and retailers, and covers litigation costs, compensation, and legal fees.
Scope of protection of public liability insurance and product liability insurance
These two types of insurance are designed to protect companies from legal liability for personal injury or property damage to third parties (such as customers, customers, and the public, etc.) caused by their business activities or products. They can also cover mental injuries caused by business. Guarantees usually include：
- Personal injury: If your business or product causes injury to others.
- Property damage: If your business or product causes damage to the property of others.
- Advertising damage: Liability for infringement caused by business or product advertising.
- Product defect: If your product is defective and causes injury to others or property damage.
- Unexpected events in business activities: Cover unexpected events that occur in your business activities.
Areas not covered by public liability insurance and product liability insurance
- Professional error: Insurance usually does not cover claims caused by professional errors or negligence.
- Punitive damages: Shall not be liable for punitive damages arising from intentional acts, malicious acts or illegal acts.
- Pollution liability: Do not bear claims related to pollutant leakage, pollution or treatment.
- Self-loss: Do not bear the loss of your own property or business.
When purchasing insurance, it is recommended that you read the insurance terms and conditions carefully to ensure that you understand your specific insurance coverage.
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