Public Liability Insurance

A Public Liability Insurance policy an organisation's Legal Liability for third party injury or property damage arising from its business operations.

Cover Provided

The policyholder is indemnified in respect of all sums they are legally liable to pay as damages and claimant's costs and expenses arising from accidental bodily injury and/or property damage occurring during the period of insurance in connection with the business within the geographical limits.

Extent of Cover

Liability policies provided by Tokio Public Liability Insurance Dubai are written on a 'Limit of Liability' basis. We can consider a range of different indemnity levels. The usual limits provided are:

  • Bodily Injury AED 100,000 per person
  • Property Damage AED 1,000,000 per accident
  • Combined Limit AED 1,000,000 any one loss and in annual aggregate

Usual Exclusion of Public Liability Insurance Dubai

This policy will NOT cover the following:

  • Advice and professional negligence (a Professional Indemnity policy is recommended for this)
  • Liability towards employees (covered by Workers Compensation Insurance or Employers Liability policy)
  • Claims arising from the use of asbestos or asbestos containing materials
  • Liability assumed by contract (unless liability would have arisen anyway in the absence of the contract)
  • Defective workmanship
  • Fines, penalties, liquidated damages, punitive or exemplary damages
  • Offshore work
  • Pollution (unless caused by sudden, identifiable, unintended and unexpected causes)
  • Products liability
  • Toxic mould
  • Nuclear or radioactive exposure


Local, unless policy is extended to worldwide basis (but USA/Canada is usually excluded)

Note: this is just a summary of the cover usually provided. For full details, please consult Tokio Marine's standard policy wording