Business insurance

Public Liability Insurance in Ghana

Cover for third-party injury and property damage claims.

In brief

Public Liability insurance protects your business against claims from members of the public — customers, visitors or passers-by — who suffer injury or property damage arising from your activities or premises, including the legal costs of defending the claim.

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What’s covered

Third-party bodily injury
Third-party property damage
Incidents at your premises or work sites
Legal and defence costs
Optional products liability extension
Cover for one or many locations

What’s not covered

Injury to your own employees (use Workmen's Comp)
Damage to property in your care or custody
Liability assumed under contract beyond common law
Professional advice (use Professional Indemnity)
Deliberate or reckless acts

Who it’s for — Any business that interacts with the public or works on others' premises — shops, hotels, restaurants, event organisers, contractors, manufacturers and service providers.

What does public liability insurance cover?

It covers your legal liability to pay compensation if a third party is injured, or their property is damaged, because of your business. Typical examples are a customer slipping on your premises, a falling sign, or damage caused while you work at a client's site. The policy pays the damages awarded and the associated legal and defence costs.

Can I add products liability?

Yes. If your business makes, sells or supplies goods, Products Liability cover responds to injury or damage caused by those products after they leave your hands. It is commonly arranged together with public liability under one combined limit.

FAQs

Frequently asked questions

Is public liability insurance mandatory in Ghana?

It is not universally compulsory, but many landlords, tenders and contracts require it, and it is essential protection for any business open to the public.

What's the difference from Workmen's Compensation?

Public liability covers injury to members of the public; Workmen's Compensation covers injury to your own employees at work.

Does it cover products I sell?

Only if you add Products Liability cover, which extends protection to injury or damage caused by your goods.