Atlantic Insurance Co. Public Ltd
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Public Liability Insurance

Public Liability Insurance is the indispensable shield that safeguards both individuals and enterprises against unforeseen risks which may, at any moment, deteriorate their financial position or jeopardize the viability of their business. It affords to the Insured cover for material damages and bodily injuries that may be caused by accidents, acts, omissions or negligence, the responsibility of which may be attributed to them.

Who is this for:

  • Self employed / independent professionals 
  • Factories
  • Hotels
  • Restaurants
  • Offices
  • Shops
  • Gyms
  • Schools
  • Retail and wholesale stores
  • Other businesses / organizations

Get a Quote

Proposal Form

Claim Form



What we cover

We cover the Insured against legal liability to pay compensation (including legal fees) in respect of:

  • Bodily injury to, or illness of third parties
  • Loss or damage to third party property

The policy is subject to an indemnity limit for:

  • Any one incident or series of incidents arising out of one event
  • Any one period of insurance


Important Note: The above constitutes a summary of the product features. Full details as to policy covers, conditions and exclusions are contained in Atlantic’s relevant Insurance Policy document.

Competitive Benefits

  • Prompt and fair claims settlement
  • Competitive prices
  • Cover limits can be tailored to your business needs
  • Highly personalised service from our experienced personnel in all towns

Atlantic is reinsured with Swiss Re and other A rated reinsurers!

Frequently Asked Questions

  • Q1. Is my legal liability for injury to my employees covered by public liability insurance?A1. No, this is covered by an Employer's Liability insurance which is compulsory by law.
  • Q2. Is Public Liability insurance compulsory by law? A2. No, however, it is strongly recommended to have such an insurance, as it affords protection against the possibility of financial loss due to legal action against you/your company for third party bodily injury or property damage .
  • Q3. Is cover applicable only within my business premises? A3. Cover is applicable within the geographical limits specified in the policy. These limits are determined by you in consultation with us.
  • Q4. How much public liability insurance cover do I need? A4. The amount of cover that your business needs will depend on the risks associated with your business operations. However, in certain cases, a third party or business collaborator may require a minimum level of indemnity. Generally, we are glad to assist you in deciding the appropriate level of cover.
  • Q5. Can cover for sub-contractors be included? A5. Yes, upon request such cover can be provided.

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