Public & Product Liability

Public Liability Insurance protects businesses against covered legal liability claims arising from accidental bodily injury or property damage suffered by third parties in connection with business operations.

Businesses that interact with customers, visitors, suppliers, contractors or members of the public, including shopping malls, supermarkets, restaurants, hotels, schools, hospitals, offices, event organisers, contractors and commercial property owners.

Public Liability Insurance is not universally compulsory for every business in Kenya. However, it may be required by landlords, clients, project owners, tender conditions, contracts or specific regulatory arrangements.

It may cover a customer's injury where the business is legally liable and the incident falls within the policy terms. For example, if a customer slips on a wet floor in a supermarket, the resulting claim may be considered under the policy.

Generally, no. Standard Public Liability Insurance is designed to cover liability to third parties rather than employees injured in the course of employment. Employers should consider WIBA and Employers' Liability Insurance for employee-related exposures.

Public Liability covers liabilities from business operations and premises. Product Liability covers liabilities from products you manufacture, supply or sell. Businesses that make or sell products may need both.

The appropriate limit depends on the nature of your operations, potential severity of claims, contractual requirements and financial exposure. A small office may have different needs from a busy shopping mall or large event venue.

Yes. Public Liability Insurance can be arranged for eligible events, exhibitions, conferences and other gatherings. Event organisers should confirm the nature of activities, expected attendance, venue requirements and appropriate liability limits before the event.

Yes, where the business is legally liable for accidental damage to third-party property and the incident is covered by the policy. For example, accidental damage to a visitor's belongings arising from insured business activities may qualify, subject to policy exclusions.

Generally, no. Standard Public Liability Insurance is designed to cover liability to third parties rather than employees injured in the course of employment. Employers should consider WIBA and Employers' Liability Insurance for employee-related exposures.

Public Liability Insurance covers specified legal liabilities arising from accidental third-party injury or property damage connected with business operations. Product Liability Insurance covers specified liabilities arising from bodily injury or property damage caused by products manufactured, supplied, sold or distributed by a business. Businesses that manufacture or sell products may need both types of protection.

The appropriate limit depends on the nature of your operations, potential severity of claims, contractual requirements and financial exposure. For example, a small office with limited visitors may have different liability needs from a busy shopping mall, hotel or large event venue. An insurance advisor can help assess the risks and recommend suitable coverage limits.

Yes, Public Liability Insurance can be arranged for eligible events, exhibitions, conferences and other gatherings. Event organisers should confirm the nature of activities, expected attendance, venue requirements and appropriate liability limits before the event.

Depending on the incident, an insurer may request an incident report, photographs, witness statements, relevant correspondence, medical reports, third-party claims and other supporting documents. Businesses should notify their insurer promptly and avoid admitting liability or agreeing to settlements without the insurer's consent.