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Accidental Bodily Injury
Covers accidental death, bodily injury, or illness sustained by third parties (visitors, customers, etc.) at your business premises.
Solutions > Public Liability
Cover For Your Legal Liability To The Public
Accidents involving customers, visitors or the public can lead to costly claims. Public Liability protects your business against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a resul
Third-Party Injury & Damage
Covers accidental death, bodily injury, slips, falls, and damage to third-party assets.
Legal Defense Fees Covered
Covers litigation representation, lawyer bills, and payout settlements.
What is Public Liability Insurance?
Accidents involving customers, visitors or the public can lead to costly claims. Public Liability protects your business against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities. It covers claims made by external parties (not your own employees) and meets the legal costs and any payouts for which you would be responsible if found legally liable.
Highlights
- Compensation for accidental third-party death, bodily injury, or disease.
- Covers slips, trips, or falls sustained by visitors on your premises.
- Indemnifies against damage to or loss of third-party property.
- Legal defense costs are covered in addition to chosen limits.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
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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Property Damage
Covers accidental loss of or physical damage to third-party assets and property caused during business activities.
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Legal Defense Costs
Pays lawyer fees, investigation costs, and litigation expenditures incurred in defending claims with insurer consent.
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Premise Occupancy Liability
Covers slips, trips, falls, or other accidents occurring on properties owned, leased, or occupied by your business.
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Food & Drink Poisoning
Extends to cover legal liabilities arising from accidental food poisoning of guests or visitors served on premises.
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Fire & Explosion Liability
Covers third-party claims arising from accidental fire or explosion originating from your site and spreading to neighbors.
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Sports & Social Activities
Covers third-party accidents occurring during official social events, sports functions, or office gatherings.
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Loading & Unloading Perils
Covers liability for accidental third-party injury or property damage during loading or unloading of goods at premises.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Businesses, shops, manufacturers, hotels, contractors, and premises owners in Uganda.
Requirements
Completed proposal form with business description, premises details, turnover, and claims history.
Premium Rating
Rated on business category risk, public traffic exposure, annual turnover/wages, and chosen limits.
Key Exclusions
Employee injuries (Workers' Comp), contractual liability, product liability, and pollution.
How to Buy Public Liability Cover?
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Complete the proposal form describing your business operations, premises, and annual turnover.
2
Select your required limit of indemnity (anticipated maximum claim and aggregate limits).
3
Review the public liability premium quote calculated on your risk profile.
4
Confirm details, complete premium payment, and bind your public liability cover.
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
It covers claims for personal injury or property damage that a third party suffers as a result of your business activities, plus associated legal defense 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
