Product
A customer slips in your shop and sues for $50k. A delivery damages a client's property. PL covers the claim and the legal bill.
A customer trips over a cable in your shop and breaks their wrist. A passerby is hit by debris from your construction site. A delivery from your warehouse scratches a client's loading dock. These aren't hypothetical — they're the kinds of incidents Singapore businesses deal with every year.
Public liability insurance covers you when a third party — a customer, visitor, supplier, or member of the public — suffers bodily injury or property damage because of your business operations. It pays for the compensation, the legal defence, and the settlement. Without it, a single incident can drain your working capital overnight.
Claims can range from a few thousand dollars to well into the millions. Even if the claim is frivolous, defending yourself in court costs money. PL insurance handles both — the payout and the legal bill — so one bad day doesn't become a financial catastrophe.
Coverage
Key areas of protection included under a typical Public Liability Insurance policy.
A customer, visitor, or passerby gets hurt because of your business — this covers their claim and your legal defence
Your work or delivery damages someone else's property — covered, including repair or replacement costs
Solicitor fees, court costs, and expert witnesses — even if the claim turns out to be groundless
A product you sell or distribute causes injury or damage — often available as an extension
You accidentally damage your landlord's property — fire from your kitchen, water leak from your floor
Someone claims your marketing defamed them or infringed their rights
Who Needs This
Any business where customers or the public walk through your door. Retail shops, restaurants, clinics, gyms, salons, co-working spaces — if people visit your premises, you're exposed. Someone slips, trips, or gets hurt, and you're liable.
Contractors and construction companies. Work sites create constant third-party risks. Most main contractors and government agencies in Singapore require subcontractors to carry minimum PL coverage — typically $1–5 million — before they can step on site.
Event organisers and F&B businesses. Running a pop-up market, catering a corporate event, or serving food at a festival? The venue will almost always require proof of PL insurance before you're allowed in.
Businesses working on client premises. If your team works at a client's office, warehouse, or home, you're liable for any injury or damage you cause there. PL covers this exposure — and many clients won't hire you without it.
Why TRS
Right-sized, not oversized. PL limits range from $100,000 to $10,000,000+. We assess your actual exposure — industry, operations, lease requirements, contract obligations — and recommend a limit that protects you without overpaying.
COIs in 24–48 hours. Need a Certificate of Insurance for a tender submission or lease signing? We get them turned around fast so you don't miss deadlines.
Standalone or bundled — your call. We'll tell you whether standalone PL or a commercial package policy gives you better value, based on what other coverage you need.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.