What is Public Liability Insurance?

It is a policy which covers your legal liability to a third party for:

  • Bodily injury (including illness) to any person
  • Loss of or damage to property belonging to a third party
     

as a result of:

  • The negligence of you or your employees
  • Any defect in your premises

Key coverage

Here is an overview of your coverage.

All sums which you shall become legally liable to pay compensation in respect of

All sums which you shall become legally liable to pay compensation in respect of

  • Bodily injury (including illness) of third party
  • Loss of or damage to property of third party
  • Defense costs and expenses

All cost and expenses of legal action

All cost and expenses of legal action

  • Recovered by any claimant against you
  • Incurred with our written consent

How much is my premium?

Your premium may vary, depending on:

  1. Limit of liability
  2. The business of insured
  3. Insured premises and surrounding area
  4. Coverage territory
  5. Fire protection
  6. Loss experience
  7. Extended coverage and special clauses
  8. Other factors

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What we don't cover

This Policy dose not cover:

  1. The Deductible as stated in the Schedule which shall be borne by the Insured and such Deductible shall also apply to the Defense Costs and Expenses.

  2. Any liability arising out of or in connection with
    2.1 Contract entered into by the Insured for which the liabilities of the Insured not have been incurred in the absence of the contract.
    2.2 Technical or professional advice or service rendered by the Insured or person acting on behalf of the Insured.
    2.3 Medical Treatment performed by the Insured or person acting on behalf of the Insured, except first aid.
    2.4 Any goods or things produced, sold, supplied, repaired, serviced or operated by the Insured or person acting on behalf of the Insured.
    2.5 Construction, maintenance, repair, expansion or demolition of building or structure, or planting, tending treating or removing of trees.
    2.6 A defect or deficiency of work or property constructed, expanded, erected, installed, repaired, serviced, planted, maintained treated, maintenance or demolished by the Insured under contract after such work or property has been delivered or relinquished to the principal or owner.
    2.7 Subsidence, landslide, vibration, removal or weakening of support or as a consequence thereof.
    2.8 Dishonesty, fraud committed by the Insured or person acting on behalf of the Insured.

  3. Liability for loss of life, bodily injury, illness or health of the following persons:
    3.1 Owner, partner, director.
    3.2 Staff, employee of the Insured whilst acting in the course of their employment, or person acting on behalf of the Insured, or person who at the time of the accident was performing work for the Insured under other employment contracts, or training scheme with the Insured.
    3.3 Father, mother, offspring, spouse or relative of the Insured residing together at the insured premises, or person residing with the Insured who is directly or indirectly connected with the Insured’s business as specified in the Schedule.

  4. Liability for loss of or damage to property  owned, possessed, used or operated by in the care or custody or control of the following persons:
    4.1 The Insured, partner, director.
    4.2 Staff, employee of the Insured, or person acting on behalf of the Insured.
    4.3 Person in the Insured’s family or person residing with the Insured who is directly or indirectly connected with the Insured’s business as specified in the Policy Schedule.

  5. Legal liability arising from any damage caused by or in any way connection connected with, or directly or indirectly resulted resulting from dust, smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals or wastes materials, solid, liquids or gaseous, other irritants or contaminants, and pollutants.

  6. Legal liability arising from any damage caused by or in connection with, or directly or indirectly resulting from floods.

  7. Any damage caused by or resulted from asbestos.

  8. Any liability resulting from or arising out of the ownership, possession, or in the care, custody, or control of the Insured, use, operation, maintenance, signaling or guidance given by the Insured, employee or staff of the Insured or person acting on behalf of the Insured in respect of:
    8.1 All types of motor propelled vehicles, including any machinery or craft pushed or pulled by engine.
    8.2 Steam powered boilers and steam pressured vessels or apparatus designed to operate under steam pressure, vessels, jetty and wharf.
    8.3  Forklifts, cranes, hoists, derricks or other machinery used for lifting, unless specified in the Schedule under heading “Machinery”.

  9. Any liability imposed by judgment or judicial proceedings taking place outside jurisdiction of the competent court, or arising from or in connection with judgment of the Thai court which shall resulted in enforcement of judgment being enforced outside the Kingdom of Thailand, unless otherwise stated in the Policy Schedule under the heading “Jurisdictional Limits”.

  10. Civil fines, criminal fines, penalty or punitive damages.

  11. Damage caused by willful act or gross negligence of the Insured.

  12. Claim for compensation or damage, in respect of any financial or pecuniary loss or expense, unless such loss or damage is a direct result of Loss of life, Bodily Injury, Illness or Health or Damage to Property of a third party, for which indemnity is provided by this policy.

  13. Expenses incurred from recovery of property from a third party.

  14. Liability in whatsoever form or nature arising out of or in connection with, or directly or indirectly resulting from :
    14.1 War, invasion, act of foreign enemy, hostilities, war like operations (whether war be declared or not), civil war.
    14.2 Mutiny, rebellion, riot, strike, power usurpation, civil commotion, terrorism, act of terrorist, revolution, proclamation of martial law or any events which determine the proclamation or maintenance of martial law.
    14.3 Any loss or damage occurred in the course of or in connection with the act of public authority in confiscation, commandeering, or destruction of, or causing damage to transport vehicles.
    14.4 Direct or indirect Loss of or damage, liability or expense or arising from directly or indirectly  out of or caused by:
    1. Radiation, contamination by radioactivity from any nuclear fuel, or nuclear wastes, or from combustion of nuclear fuel.
    2. Radioactive or poisonous substances, explosives or other hazardous materials or contaminated property caused by installation of nuclear equipment, nuclear reactor, nuclear components or assembly of nuclear parts.
    3. Weapons or equipment using nuclear or atomic fission and / or fusion reaction or similar reaction, or power, or radioactive material.
    4. Radio active or poisonous substances, explosives or other hazardous materials, or contaminated property caused by radioactive material, but this exclusion shall not extend to any other radioactive substance other than nuclear fuel in the case where such radioactive substance was prepared, transported, stored or used for commercial, agricultural, medical, scientific or other peaceful purposes of the like nature.
    5. Chemicals, biological substances, bio-chemical substances, any type of electro- magnetic weapon.
  15. 14.5 Any loss or liability arising from or attributed to risk of exposure to magnetic current, magnetic field or radiation of electro-magnetic current, whether directly or indirectly and regardless of the cause of such electro-magnetic current.

Important information

These plans are subject to the supervision and administration of Tokio Marine Insurance (Thailand) PCL by plan coverage and benefits thereof, all of which are subject to the requirements of the company. It used to be for reference only