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Third-Party Bodily Injury
Legal liability for accidental death, bodily injury or disease to any person arising from your business activities.
Solutions > Public Liability
Cover Your Legal Liability to the Public
Public Liability indemnifies the insured against legal liability for accidental death, bodily injury or disease to any person, and accidental loss of or damage to material property, occurring within the defined geographical territory throug
Third-Party Injury Cover
Accidental injury or death to the public
Property Damage Cover
Damage to third-party property included
What is Public Liability Insurance?
Public Liability indemnifies the insured against legal liability for accidental death, bodily injury or disease to any person, and accidental loss of or damage to material property, occurring within the defined geographical territory through the fault or negligence of the insured in the course of business. Accidents involving customers, visitors or the public can lead to costly claims — this cover protects your business with defence costs included.
Highlights
- Indemnifies your business against legal liability for accidental third-party injury, death or property damage.
- Covers claims arising from your business activities within the defined geographical territory.
- Legal costs and expenses covered with APA's written consent.
- Extensive extension menu — customers' property, riot & strike, subcontractors, contract works and more.
What is Covered and Not Covered Under Public Liability?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Third-Party Property Damage
Accidental loss of or damage to material property belonging to third parties through your fault or negligence.
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Business Activities
Claims arising in the course of business within the defined geographical territory.
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Legal Costs & Expenses
Litigation costs and expenses incurred with APA's written consent in connection with covered claims.
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Premises & Operations
Liability from premises, operations and activities that expose the public to potential injury or damage.
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Extension Clauses Available
Optional extensions include customers' property, riot & strike, subcontractors, tools of trade and contract works.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Businesses, premises owners and occupiers whose activities expose third parties to potential injury or property damage.
Documents
Completed proposal form with business description, turnover/wages, premises details, claims history and required limit of indemnity.
Cover Scope
Accidental third-party bodily injury/death and damage to third-party property arising from business activities.
Rating Basis
Nature of business, turnover/wages, public exposure to premises/activities, claims history and limit of indemnity.
How to Buy APA Public Liability?
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Complete the Public Liability proposal form with your business description and turnover.
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Declare premises details, claims history and required limit of indemnity.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy protecting your business against third-party liability claims.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Your legal liability for accidental injury or death to third parties, and accidental damage to their property, arising from your business — plus defence costs.
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“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
