Public Liability (including Hard to Place)

CRM Brokers will source the right public liability insurance to protect your business; no matter the size or the industry you are in.


We have a unique ability to assist with “hard to place” risks and will work with you directly or through your broker on a wholesale basis. We are able to arrange covers both domestically and internationally via our London network ensuring you are presented with the most appropriate solutions available no matter how difficult the Risk.


Public Liability insurance is designed to cover an insured from its liability to third parties arising from its business operations. The product liability aspect provides cover for liabilities arising in connection with the Insured’s products

The policy provides cover for the insured entity and any of its representatives including employees, volunteers and Board members and often will include Principals arising out of the performance of work on their behalf.


The cover includes:

  • Payment to a third party in compensation for the injury to Persons (death, sickness, disease)
  • Payment to a third party in compensation for property damage
  • Payment for the reasonable costs incurred in the defence of a claim
  • Payment for Legal and medical fees
  • Payment for potential compensation pay outs including ongoing disability payment costs


Major exclusions include:

  • Workers compensation injuries
  • Motor vehicle third party injuries
  • Gradual pollution
  • Damage to property owned by the insured
  • Damage caused intentionally
  • Contractual liability