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Public Liability has a person (legal or natural) liable towards other persons if it causes them, with a specific action or omission, physical damage and / or material damage to their property.  In this case, the person who suffered the damage or loss is entitled to claim compensation. The general and broad meaning of this definition does not clearly define the requirements that can be set by the respective party to the detriment of the offender who caused the damage. Buying Public Liability Insurance for Business is the best way to transfer the risk of large claims to the Insurance Company. Depending on the activity for which the coverage is provided relevant extensions are given. For example, for food poisoning, fire, explosion, use of machinery, etc.

Public Liability in a few words means whoever is responsible, pays the damage

-Savvas Christoforou

How is Public Liability created?

Public Liability can arise in several ways, mainly through three categories:

1. Liability arising from the Common Law as it has been established over time by the case law of the courts.
2. Liability arising from the legislation as voted by the legislator, i.e. the Parliament.
3. Liability under a contract entered between two parties.

The most important civil offence is negligence. Negligence is the breach of a custodial obligation by the defendant (the one who is being sued) to the plaintiff (the one who is suing) and which is causing damage to the plaintiff.

The information above may vary from Insurance Company to Insurance Company. Depending on the Insurance plan we will propose, we will give you all the relevant information required by the legislation so you can make your decision. Ask us today for an offer and, we will choose the most suitable package for your needs and budget.

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