Public Liability Insurance

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It's a WET FLOOR



Exclusions
i) Contractual liability i.e.: liability assumed by Insured
    under agreement
ii) Employees of the Insured
iii) Loss or damage to property belonging to the
     Insured, in his charge or control and work upon
iv) Explosion of steam boiler or vessel operating under
     steam pressure.
v) Loss or damage caused by vibration or weakening 
    of support.
vi) Liability caused by or in connection with or arising from:-
    a) Any vehicle, loading and unloading
    b) Lifts, escalators, hoist and cranes
    c) Defective sanitary arrangements and food & drinks
        poisoning
    d) Vessel or craft
    e) Product Liability
    f) Fire, flood, explosion, fumes or water pollution.


Limit of Indemnity
The Sum Insured in Public Liability Policy is represented by the limit of indemnity
amount which is categorized into:-
i) Limit of Indemnity Any One Accident
ii) Limit of Indemnity Any One Period
The Indemnity granted for 'Any One Accident' is a fixed amount determined by the Insured according to the exposures and circumstances of a particular risk.            
The Indemnity for the Period can be unlimited


Territorial Limits
In the absence of any specific indication, it is presumed that the activity is being carried out at the Insured's Premises only. If the employees are working away, then details of places where they work should be given.


Old Man Falls on Escalator Original


Minimum Information Required For a Quotation
i)   Name of Insured?
ii)  Trade/ Occupation?
iii) Limit of Indemnity anyone accident?
iv) Location of Risks?
v)  Claim history?
vi) Surrounding properties?

Minimum Premium : RM 100.00


Declined Risks/ Treaty Exclusion
Aviation risks including Airport Liability
Asbestos Mining/ Processing
Circuses
Demolition risk
Docks
Explosive works/ Fire works
Funfairs
Fire works/ Ammunition Manufacturer/ Storage
Harbor risks/ Ports
Mines
Oil Rigs/Oil well & Offshore Platform
Petrochemicals Manufacturer/ Storage
Railways
Ski Resorts
Security Firm
Stevedoring risks/Ship-building / Ship-repairing and Ship-breaking
Waterborne vessels

Claim procedures (ACE Insurance)

· Upon receipt of a claim or possible claim from the third party,
  to notify ACE with the following basic information:

o Description and extent of loss/injury suffered by third party
o Date of loss/accident
o Location
o Any demand made by third party either verbal or written
o Details of policy involved

· Insured shall not in any circumstances admit the claim, make
  an offer, promise or payment to a third party without prior
  written consent from Insurer.

· Claim from third party

o Insured must immediately forward to Insurer any letter of
   demand or legal proceedings received from the third party.
o Acknowledge receipt of the letter of demand and advise the
   third party's solicitors that Insurer has been notified and will
   be investigating the loss on a without prejudice basis.
o If legal action is brought against Insured, Insurer will appoint
   solicitors to defend the insured pending determination of
   policy liability to protect insurer's interests. If investigations
   disclose that there is no policy liability, insured will take over
   conduct of the defense from insurer.
o In any circumstances, the Insured shall not admit liability or
   enter into any negotiation with the third party or their
   solicitors without insurer's written consent.

Public Liability Insurance - Business Guide

What Is It?

As any business owner you should consider Public Liability Insurance Cover if members of the public,     clients or customers visit your premises. If you run a home-business, and customers sometimes visit you   there, public liability cover might also be a good idea.

What does it cover?

Public Liability insurance will cover you if someone is accidentally injured by you or your business operation. It will also cover you if you damage third party property while on business. The cover should include any legal fees and expenses which result from any claim by a third party.

This type of insurance will only cover third party claims (i.e. not your own employees - you need Employers Liability Insurance for your own employees).

You should always ensure that your insurer knows what type of business you run, and you should always inform them if your circumstances change, as this may affect your policy.

Examples of Public Liability Insurance Claims

1) You run a dry cleaning business. A customer comes in to pick up some clothes, but trips up on a loose bit of flooring in your shop. Public liability insurance would cover your business if the customer claimed for injuries sustained as a result of the un-maintained floor.

2) You are a self-employed IT support technician. Whilst at a customer's site, you accidentally knock over a cup of coffee, and the contents pour down the back of a computer, damaging it beyond repair. Public liability insurance would cover any claim from the customer.

How much cover do I need?

This will depend on the nature and size of your business operation. Many small businesses will have RM100,000 of public liability insurance cover - this may sound a lot, but if you suddenly have several claims against you, the costs can mount up. Despite the seemingly large amount of cover, typical premiums are not high.

How to get a quote

As public liability is the most common insurance taken out by small business, you should be able to find a competitive quote in the marketplace. SPA & ASSOCIATES has several insurance partners who will be able to help - simply try the links below for more information:

Slip and Fall Lawsuits - What You Need To Know

Scope of Cover
i) Accidental bodily injury to any person NOT being a member of the 
Insured's or any person in the services of the Insured.
ii) Accidental damage to property NOT belonging to or in the custody 
or control of the Insured.
iii) Any legal expenses incurred by the Insured in defending legal proceeding 
with the Company's written consent.

slip and slide gone wrong


Extensions Available (loading of 5%) Exclusions Buy back
i) Fire and explosion
ii) Defective sanitary arrangements exclusion(c)
iii) Loading and unloading
iv) Food and Drinks Poisoning (usually with a Lower Limit
     specifically for exclusion (c) restaurant and/or food             
     operators and applicable for any one accident or in the
     aggregate during the period of insurance)
v) Passengers / Service Lifts and Escalators b)partial
vi) Innkeeper's liability covers for Hotel establishments
vii) Professional negligence

glass revolving door accident


Rating
(Rates below are just indicative and may varies according to underwriting experience)
i) It is difficult to fix rates since each risk has its own unique features. 
However, the following minimum rates based on a Limit of Indemnity of RM100,000 for any one accident could be used as a guide.

Minimum Rates: *(Indicative only)

Category (RM 100,000 any.one.accident):
A : Dwellings, Office A RM100-RM251                                         
B : Shopping Complex, Cinemas, B RM500-RM751 Clubs, Restaurant & Retail Shops.                                                           
C : Hotels C RM5-RM10 per room subject to minimum RM501                                                                                       
D : Factories. RM350-RM500 (depending on processes)          
E : Builders, Electrical, Painting/ E 0.30% to 0.70% of Wages / Turnover Decorations or                                            
F : Petrol Stations RM 200 per station plus RM 10 x number of Pumps/hoist                                                                      
Category (RM 100,000 a.o.a):
A RM100-RM251
B RM500-RM751
C RM5-RM10 per room subject to minimum RM 501
D RM350-RM500 (depending on processes)
E 0.30% to 0.70% of Wages / Turnover
F RM 200 per station plus RM 10 x number of Pumps/hoist

ii) Increased Indemnity
To increase to Increase Premium by
RM150.000     40%
RM200.000     75%
RM250.000     110%
RM300.000     140%
RM500.000     175%
RM1.000.000  210%
Note: The above are just a guideline only.

Referred Risks
Agricultural Shows                             Amusement Arcades
Blasting Operations /Quarry               Cabarets
Cinemas                                            Contractors
Event Organizer                                 Plant Hire Contractors
Plumbing and Heating Engineers      Sports Meets
Stadium                                             Waste Disposal Sites


Documents Required

· Property damage

o Completed Claim Form
o Photographs depicting damage
o Written statements from witnesses to the incident, if available
o Copy of Police Report, if any
o Investigation/Incident Report
o A sketch of the area where the incident occurred
o Estimate of claim
o Letter of claim from third party Bodily Injury
o Completed Claim Form
o Detailed account of how, where and when the incident happened
o Written statements from witnesses to the incident, if available
o Photographs of injury sustained and area where the incident occurred
o Copy of Police Report, if any
o Investigation/Incident Report
o Medical report/Specialist report
o Medical bills from the third party
o Indicate whether there were any warning signs or reasonable
   precautions taken to prevent the incident
o A sketch of the area where the incident occurred
o Estimate of claim

Building Management (Third Party Risks Insurance)

Disclaimer

 

SPA is a registered Malaysian insurance agency representative. This guide is designed to provide you with general information in the event of the Public Liability Insurance underwriting, scope of coverage, claim in Malaysia that may be covered by this insurance program. This guide was written on May 4, 2010, and is not continuously updated and monitored and may be out of date by the time you read it. This guide does not constitute legal advice, which is given only in the context of an attorney/client relationship after giving specific consideration to the unique facts of the matter, including the specific policy language. Note that policy language differs and may require different or additional steps. The steps in other jurisdictions may not be the same. For specific advice, consult with an attorney (lawyer) licensed to practice in your jurisdiction.

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CS3的简旅行和跌倒1页1 案例3 滑倒和跌倒人次 理由 被保险人在经营和管理的零售商场在大约20个单位在英国的位置。在 这个竞争激烈的环境中,该组织已制定并实施一项精益管理 利用外部结构健康与安全(高&S)的顾问履行的'主管角色' 人。 昆士兰联保的风险管理的被保险人的索赔分析的经验显示,60%的雇主 责任索赔和80%的公众责任索赔发生的费用,是由于滑和旅行 事故的发生。当基准,在卫冕之旅声称这些滑移和成功率差 相对于组织的其他声明类型和QBE的投资组合的平均。 初步审查,风险管理与保险人举行的高层管理人员,并任命 健康与安全顾问。结果发现,该组织的高级管理人员进行了渴望 减少暴露的成本,但主要是为了确保简短遵守法律和食品安全 组织内的问题。此外,发现有重点或专业知识有限 滑移和旅行管理情况,即使在金融影响被保险人。 途径 随着被保险人的经纪人,战略管理,并制定了支持单人次 各方都参与。这包括: •艺术工地董事的风险问题,财务成本和最佳实践 •商定事故的关键绩效指标和要求减少和改善索赔 防卫 事故数据库•创作到根资源集中在事故原因 •制定一个具体的收据/与健康和安全(线路跳闸政策的 HSE)'滑 势模型' •谁被任命的专家顾问在技术滑和绊从事风险评估 和程序的行为在实践中观察 •创建新的记录检查和清洁程序 •为雇员提供的培训材料 •事故调查培训。 影响 根据我们的建议,并与客户自身的损失控制工作,结合一年 从这种干预: 1。我们的投保人已录得下滑,行程减少30%的事件 2。经理有一个滑动和旅行的问题和对本集团的财务费用的认识 3。现在所有的员工都意识到自己的责任,以尽量减少风险单及行程 4。改进的纪录片和事故调查程序,使昆士兰联否认责任 更多的滑移和旅行的人比被认为是在QBE的投资组合的平均。  May 4, 2010, 12:21 PM Simon Poon
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  553k v. 2 Jul 25, 2010, 10:56 PM Simon Poon
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SPA ACE JERNEH_Proposal_Public Liability Insurance  Sep 21, 2012, 6:21 AM Simon Poon
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Commercial Insurance Endorsement request / Request for changes Notification Form (商业保险签注申请/变更申请表的通知)   123k v. 2 Sep 21, 2012, 6:59 AM Simon Poon
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Amendment and request for Endorsement for existing policy with ACE Synergy Insurance Berhad  (修订和批注要求现有的ACE保险Berhad的保单协同)  Sep 28, 2010, 12:30 AM Simon Poon
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  Feb 16, 2010, 8:39 PM Simon Poon
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Ace Insurance Malaysia- Public Liability & Product Liability Policy Wordings   163k v. 3 Feb 16, 2010, 7:37 PM Simon Poon
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Product Disclosure Sheet of 2nd Principle Insurer   143k v. 4 Jul 4, 2010, 8:00 PM Simon Poon
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Judge Sabariah Othman ordered Amy to pay the plaintiff RM8,000 in general damages for the injuries sustained, RM10,000 in specific damages for surgery costs and 6% in interest and costs.(法官Sabariah Othman 下令艾米支付原告受伤RM8,000一般损害赔偿的持续,1万令吉在手术费用和6%的利息和费用的具体损失。  Oct 23, 2011, 11:10 AM Simon Poon
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Worldwide statistic involving Elevator & Escalator  (全球统计涉及电梯)  Oct 23, 2011, 11:10 AM Simon Poon
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2010 12 27. A night out with her family turned into a painful experience for 10-year-old Chrisanta Geron Lee when her left foot got stuck in an escalator at a shopping mall here last night.  Oct 23, 2011, 11:10 AM Simon Poon
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A 6-year-old girl has been hospitalized after a horrifying accident at a swimming pool, when she sat on an open drain and a powerful suction pump tore out part of her intestinal tract. (一个6岁的女孩已被送往医院后,在一个游泳池,当她坐在一个开漏,具有强大的吸泵撕毁了她的肠道部分可怕事故。)  Oct 23, 2011, 11:10 AM Simon Poon
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A lift company has pleaded guilty after a woman was killed by a faulty elevator at her gym. But how common are lift accidents, and what can passengers do to travel between floors in safety? (电梯公司已经认罪后,被一个女人在她的健身房电梯故障丧生。但如何常见的有电梯的事故,有什么可以做的来往乘客安全地板?)  Oct 23, 2011, 11:10 AM Simon Poon
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  Oct 23, 2011, 11:10 AM Simon Poon
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Case studies and the reference for the mentioned incident   (个案研究和参考上述事件)  Oct 23, 2011, 11:10 AM Simon Poon
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PETALING JAYA: The recall of 15,911 of Proton Holdings Bhd’s Gen.2 and Satria Neo models made between 2004 and 2008 due to a clock spring malfunction is likely to cost the company an estimated RM5mil, according to analysts.  八打灵再也:在质子控股有限公司的Gen.2和Satria新型号15911记得2004年和2008年之间作出一个时钟弹簧因故障可能花费公司估计RM5mil,据分析。  Oct 23, 2011, 11:10 AM Simon Poon
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Definition of Common Law under wikipedia  (根据普通法的定义(wiki百科)  Sep 28, 2010, 12:32 AM Simon Poon
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Lawyer Guide for Product Liability in Malaysia and it's development  (产品责任和它在马来西亚的发展-律师指南)  Sep 28, 2010, 12:22 AM Simon Poon
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在侵权法 , 照顾的责任 ,是法律 义务 ,对个人,要求他们遵守的合理的医疗水平在执行的行为,可以预见伤害他人实施。 这是第一个元素,必须着手建立一个疏忽行为。原告必须能够阐明照顾的法律责任由被告违反规定。 反过来,违反义务可能受到一个人的侵权责任。 注意义务,可实行个人之间的法律的实施与目前没有直接的关系(家庭或合约或其他方式),但最终成为有关的某种方式,按照普通法的定义(即判例法 )。注意义务可被视为是社会契约的正式中,对在社会其他个人持有的隐含责任。这不是一个照顾的责任用法律来界定的要求,尽管它往往会通过开发的普通法 判例 。  Feb 16, 2010, 7:58 PM Simon Poon
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公众责任是对侵权行为法的一部分,于民事过失重点。申请人(受害方)通常起诉答辩人(业主或占用人根据普通法 )的疏忽和/或损害为基础。[1]的债权,通常成功时,可以证明的业主/占用是一个损害负责因此,他们违反注意义务。  Feb 16, 2010, 7:35 PM Simon Poon
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Public liability is part of the law of tort which focuses on civil wrongs. An applicant (the injured party) usually sues the respondent (the owner or occupier) under common law based on negligence and/or damages. [1] Claims are usually successful when it can be shown that the owner/occupier was responsible for an injury, therefore they breached their duty of care.  “责任” 是指吾人有义务去做(或不去做)某件事情,或是用(或者不用)特定方法去做某件事情。一般而言可分为道德上与法律上的责任:道德责任是社会依据道德标准约定俗成的义务,法律责任则是依据法律而来。若更加细分,责任的来源又可能是人与人之间的承诺,工作分派或职业上应尽之任务,国家法令制定之规章、社会风俗习惯要求的规范标准,以及公民准则与道德准则等。)  Sep 28, 2010, 12:25 AM Simon Poon
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BOLTON MARKETING SDN BHD_PRIMA NOVA, PLUS STUDIO & MARKETING COMM_PUBLIC LIABILITY_SI 1,000,000_MULTI-PURPOSE_POLICY_LPP-L0026629-S3  Jun 12, 2012, 4:35 AM Simon Poon
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2012 09 26 FROM 2011 09 27_EXCELLENCE AUTO AIR·COND AND ACCESSORIES SERVICES_TAMAN DELIMA_P LIAB_SI RM250K_LONPAC_ POLICY_W-11-LL00-022077-KUL-00  Nov 28, 2011, 11:55 PM Simon Poon
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