Protect your Business from Third-Party Claims

Designed to protect your business against the financial and legal consequences of third-party claims.

COVER YOUR BUSINESS CAN COUNT ON

Every business that interacts with the public, whether clients, visitors, contractors, or passers-by, carries an inherent exposure to third-party claims. An accident on your premises, damage caused during the course of your operations, or an injury sustained by a member of the public can result in legal action that is both costly and time-consuming, regardless of whether your business was at fault.

In an increasingly litigious business environment, Public Liability Insurance is now considered a commercial necessity with many corporate clients and procurement processes now requiring proof of such a cover. 

This policy covers your legal defence costs, any compensation awarded, and the associated expenses of managing a claim, ensuring that a single incident does not translate into a financial burden.

Years in the UAE
0 +
Claims Assistance
/7

GET YOUR PUBLIC LIABILITY QUOTE

Every business that interacts with the public carries a liability exposure. 

Tell us about your operations and we’ll arrange the right level of cover to protect your business against third-party claims.

Key Benefits

Third-Party Injury

Financial protection when a third party is injured due to your business activities.

Premises Liability

Cover your business against covered incidents occurring on your premises.

Legal Liability

Support for covered legal claims arising from your business operations.

Claim Protection

Help manage covered third-party claims arising from business activities.

Trusted by Leading Insurance Providers

We work closely with a broad network of reputable insurers across the UAE, giving our clients access to competitive pricing and comprehensive protection tailored to their unique requirements.

FAQ

What does Public Liability Insurance cover?
Public Liability Insurance covers your business’s legal liability for bodily injury sustained by a third party, such as a client, visitor, or member of the public. It also covers damage caused to third-party property, arising from your business activities or on your business premises. It covers the cost of legal defence, any compensation awarded to the claimant, and associated claim expenses.
Public Liability Insurance is not universally mandatory for all businesses in the UAE. However, it is a contractual requirement for many industries, government tenders, and corporate procurement processes. It is also strongly recommended for any business that operates on public premises, hosts clients or visitors, or conducts activities that could result in third-party injury or property damage. At GSIB, we advise on the appropriate level of cover for your specific industry and operations.
Public Liability Insurance does not cover claims made by your own employees — these fall under Employers’ or Workmen’s Compensation Insurance. It also does not cover damage to your own property, claims arising from professional advice or services, deliberate acts, and losses arising from contractual liability unless specifically included.
The appropriate level of cover depends on the nature of your business, the volume of public interaction, the value of third-party assets you work near, and any contractual requirements you are subject to. At GSIB, we help you choose a limit most suitable to your business operations.
Notify GSIB immediately upon becoming aware of a third-party claim or incident that may give rise to one. Do not admit liability or make any payment to the claimant without first consulting your insurer. Our claims team will help coordinate your legal defence and liaise with the insurer so your business can continue operating with minimal disruption.

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Let's Find the Right Coverage Together

Whether you’re looking for personal insurance or corporate risk solutions, our advisors are ready to help.
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