What is the scope of public liability insurance?

1. Scope of public liability insurance: During the validity period of the insurance, the insured shall be liable for economic compensation for personal injury or property loss caused by accidents at the insured place.

2. Public liability insurance In fact, the operators of public places transfer their responsibilities through insurance, because there is an accident risk of public liability in any public place.

People's Republic of China (PRC) insurance law

Article 23 An insurer shall, after receiving a request for compensation or payment of insurance benefits from the insured or beneficiary, verify it in time; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed.

If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's obligation to pay insurance money, and may not restrict the right of the insured or beneficiary to obtain insurance money.