Public liability and the limits in your lease
Why landlords and main contractors ask for it, and how to read the clause that sets the limit.
Corp Cover
8 Oct 2026 · 4 min read
An adviser can read your own policy and explain the gaps. Insurers pay the adviser; your business pays no fee.
Public liability insurance pays claims from third parties for bodily injury or property damage caused by your premises or your work. It is not required by law. It is usually required by contract.
Where the requirement comes from
- Leases: landlords set a minimum limit and often ask to be named on the policy.
- Main contracts: contractors pass the same requirement down to subcontractors.
- Event venues and shopping malls: a certificate is usually needed before move-in.
What it does not cover
- Injury to your own employees. That is work injury compensation and employer's liability.
- Faulty advice or professional services. That is professional indemnity.
- Damage to property you own. That is a property policy.
What to check
Read the insurance clause in each lease and contract. Note the minimum limit per occurrence, whether the counterparty must be named as an additional insured, and whether a waiver of subrogation is required. The policy must meet the highest requirement among them.
General information, not advice on a specific policy. Terms differ by insurer.
Talk to an adviser
Insurers pay the advisers commission. Your business pays no fee, and a review is not a quote.
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