Business Protection
Public liability cover for third-party injury and property damage risk.
Trusted Union helps businesses review public liability insurance in the context of premises, operations, contracts, events, visitors and third-party exposure.
Public liability insurance can help protect a business where a third party alleges bodily injury or property damage arising from the companys premises, activities, products or operations.
It is often required by landlords, venues, clients, contractors, event organisers and commercial counterparties.
Trusted Union helps businesses review public liability insurance in a structured way, looking at the companys activities, premises, footfall, contracts, jurisdictions, policy limits and insurer appetite.
Our role is to help clients understand the third-party risk behind the policy and whether the cover appears suitable for the way the business actually operates.
Key Areas of Cover
How we support you across the area.
01
Third-Party Bodily Injury
Public liability may respond where a third party alleges injury caused by the business premises or operations, subject to policy terms.
02
Third-Party Property Damage
Cover may apply where business activities cause damage to property belonging to another party.
03
Premises Liability
Businesses with offices, shops, studios, venues or client-facing spaces should review visitor and premises-related exposure.
04
Operational Activities
Public liability should reflect what the business actually does, including off-site work, demonstrations, installations, events or client visits.
05
Contract and Venue Requirements
Clients, landlords and venues may require specific liability limits, insured names, certificates or indemnity wording.
06
Defence Costs
Even where allegations are disputed, defence costs and claims handling support can be important.
Who It May Be Relevant For
- Offices and professional firms
- Retail and hospitality businesses
- Studios and service businesses
- Event organisers and promoters
- Contractors and suppliers
- Businesses with visitors, customers or clients on site
- Companies using third-party venues
- Businesses with landlord or lease requirements
- Regional companies with Hong Kong operations
- Larger corporate groups with premises or public-facing activities
What Trusted Union Reviews
A structured review, item by item.
Where the information is available, a review typically looks across the following.
- Business activities and operating model
- Premises and locations
- Visitor, customer or client footfall
- Off-site activities
- Event or venue exposure
- Contractual liability requirements
- Landlord or lease requirements
- Policy limits and deductibles
- Territorial and jurisdiction wording
- Additional insured requirements
- Products or completed operations exposure where relevant
- Use of contractors or subcontractors
- Claims history
- Exclusions and warranties
- Certificates of insurance
- Insurer appetite and renewal terms
The Trusted Union Approach
Business insurance structured around real commercial risk, contracts and continuity.
Why It Matters
Why a structured review matters.
Public liability requirements often appear in contracts, leases or venue agreements before a business has had time to review the policy properly.
A company may need to provide a certificate quickly, increase policy limits, add another party to the policy where required or confirm cover for a particular activity or location. If the policy has not been reviewed, there may be uncertainty over whether it satisfies the requirement.
A structured public liability review helps businesses understand their third-party exposure, contract requirements and insurer options before cover becomes urgent.
Public Liability vs Professional Indemnity
Public liability and professional indemnity are not the same.
Public liability usually relates to third-party bodily injury or property damage arising from premises or business activities.
Professional indemnity usually relates to financial loss arising from advice, design, consulting, professional services, errors or omissions.
Some businesses may need both, particularly where they provide professional services and also have client-facing premises, events or operational activity.
Why Trusted Union
Advice held to a consistent standard.
Contract Awareness
We review public liability cover in the context of leases, client contracts, venue agreements and certificate requirements.
Operational Risk Review
We help clients assess the activities, premises and third-party exposure behind the policy.
Market Access
We work with a range of insurers and help clients understand suitable public liability options.
Clear Distinction Between Covers
We help businesses understand the difference between public liability, professional indemnity, products liability and event liability where relevant.
Support Across Business Sizes
We support founder-led businesses, professional firms, regional companies and larger corporate groups with third-party liability exposure.
Common Questions
Questions we’re often asked.
What is public liability insurance?
Public liability insurance helps protect a business if a third party alleges bodily injury or property damage arising from the companys premises or activities, subject to policy terms.
Is public liability mandatory in Hong Kong?
It is not always mandatory for every business, but it is often required by landlords, venues, clients or contracts.
What is the difference between public liability and professional indemnity?
Public liability usually relates to third-party injury or property damage. Professional indemnity usually relates to financial loss from professional advice or services.
Can public liability cover events?
Some public liability policies may cover certain events, but event-specific cover or extensions may be required depending on the size, nature and location of the event.
What limit of public liability insurance do we need?
This depends on contract requirements, landlord or venue requirements, business activity, footfall, location and risk profile.
Can Trusted Union review a contract insurance clause?
Yes. We can review insurance clauses and help assess whether your existing policy appears aligned with the requirement.
Can another party be noted on our policy?
This may be possible, depending on the insurer, policy wording and the requested interest or endorsement.
Request a Confidential Review
Request a Confidential Review.
Start with a structured conversation about the area of insurance you would like to review.
Request a Confidential Review