What does public liability insurance cover?

1. Comprehensive public liability insurance: it covers the economic compensation liability of the insured for personal injury or property loss caused by unintentional acts or activities.

2. Place liability insurance: it covers the economic compensation liability that the insured should bear according to law due to structural defects or mismanagement of the fixed place, or accidents caused by negligence when the insured conducts production and business activities in the insured place, resulting in personal injuries or property losses to others.

3. Contractor's liability insurance: it covers the contractor's liability for damages. In the contractor's liability insurance, the insurer is usually responsible for the equipment rented or owned by the contractor, the compensation to the customer, the contractual liability and the liability to the subcontractor.

4. Carrier liability insurance: Carrier liability insurance specifically covers the liability for damages that may occur in the process of transporting various passengers and goods by departments or individuals.

According to Article 1 of the public liability insurance clauses, a public liability insurance contract consists of insurance clauses, application forms, insurance policies, insurance certificates and approval documents. Any agreement on this insurance contract shall be in written form.

1. What does public liability insurance mean?

1. Public liability insurance, also known as general liability insurance or comprehensive liability insurance, takes the public liability of the insured as the underwriting object and is an independent insurance category with the widest scope of application.

2, the so-called public responsibility, refers to the actor's wrong behavior in public places caused personal or property damage to others, according to the law should be borne by the actor to the victim's economic compensation.

3. The composition of public responsibility is based on the legal responsibility of economic compensation, and its legal basis is the civil laws of various countries and various related separate laws and regulations. In addition, in some places that do not belong to public activities, if the public is damaged in places that should be borne by the actor, it can also be attributed to the public.

Second, the characteristics of public liability insurance

1, the subject matter insured is intangible. The object of this kind of insurance is the legal liability of the insured, which is intangible.

2. Wide application range. This insurance can be applied to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity.

3. Various forms of expression. There are general responsibilities, comprehensive responsibilities, site responsibilities, elevator responsibilities, contractor responsibilities, etc. In China, it is mainly manifested as local public responsibility.

legal ground

People's Republic of China (PRC) Insurance Law Article 2 Insurance as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, is disabled or sick, or reaches the age and time limit agreed in the contract.