Public Liability Insurance — Frequently Asked Questions

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  • What does public liability coverage include?
    Public liability coverage protects you as the property owner from legal liability for death or bodily harm on third-party individuals (other than an employee). It also covers loss or damage to third party property from out of the operation of your business.
  • What are the coverage exclusions?
    Your policy documents will include any related exclusions, terms, and conditions. For particular questions regarding your policy and any exclusions, please contact our customer service representatives.
  • Will I receive an email confirming my insurance coverage? Are the documents available to print?
    Yes, once you have successfully purchased your policy, you will receive a confirmation email from us within 48 hours of your purchase. This will confirm your coverage and provide you with your necessary policy documents. If you need a confirmation of your coverage urgently, please contact us. Once you receive this email, you are able to view, download, and print your documents from our website. You are unable to print your schedule or proof of insurance.
  • What is the standard excess and out of pocket cost to me?
    The policy excess is found within your policy documents on the 'Your Summary' page. If you have any additional questions, please contact us.
  • What is the standard excess?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will inquire about its uses to determine if we can insure it.