Product
Cover for third-party bodily injury or property damage arising from your business operations.
Public liability (PL) insurance covers your business if a third party — a customer, visitor, supplier, or member of the public — suffers bodily injury or property damage because of your operations. It pays for compensation, legal defence costs, and settlements.
Think of it as your financial protection against the unexpected. A customer trips over equipment in your shop and breaks a wrist. A delivery from your warehouse damages a client's loading dock. A passerby is injured by scaffolding on your construction site. These are real scenarios that Singapore businesses face, and the resulting claims can run from thousands to millions of dollars.
PL insurance ensures that a single incident doesn't become a financial catastrophe. It covers the cost of defending the claim, any compensation you're legally obligated to pay, and associated legal fees — all without draining your business's working capital.
Coverage
Key areas of protection included under a typical Public Liability Insurance policy.
Claims from members of the public, customers, or visitors who are injured on your premises or by your operations
Damage to another party's property caused by your business activities
Solicitor fees, court costs, and legal expenses for defending a covered claim
Claims arising from products you sell or distribute that cause injury or damage (often available as an extension)
Damage to your landlord's property caused by your negligence as a tenant
Claims of defamation, libel, or slander arising from your marketing and advertising activities
Who Needs This
Any business with a physical premises that the public or clients can access. Retail shops, restaurants, clinics, gyms, salons, offices — if people walk through your door, you're exposed.
Contractors and construction companies. Work sites create significant third-party risks. Most main contractors and government agencies require subcontractors to carry minimum PL coverage (typically $1–5 million) before they can work on a project.
Event organisers and F&B businesses. Whether you're running a weekend market stall or catering for a corporate event, the venue or organiser will almost always require PL insurance.
Businesses that operate on third-party premises. If your employees carry out work at a client's office, warehouse, or home, you're liable for any damage or injury that occurs as a result. PL covers this exposure.
Why TRS
Right-sized coverage. PL limits range from $100,000 to $10,000,000+. We assess your actual exposure — factoring in your industry, operations, and contractual requirements — and recommend a limit that protects you without overpaying.
Fast turnaround for tenders and leases. Need a Certificate of Insurance for a tender submission or lease agreement? We can often arrange cover and issue COIs within 24–48 hours.
Standalone or bundled. We'll advise whether standalone PL or a commercial package policy gives you the best value, based on what other coverage you need.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.