Business

Public Liability
Insurance

Protect your business from legal liability for injury to third parties or damage to their property arising from your operations.

Get Covered

Key policy terms

The terms that shape your cover.

Hospitality employee cleaning a wet floor beside a caution sign

Basis of cover

Occurrence basis. Covers claims arising from incidents occurring during the policy period, even if reported after expiry or cancellation, provided notification was given when the insured became aware of the event.

Geographical limit

Worldwide cover, except business operations conducted outside Uganda, and contracts requiring work outside Uganda.

Claims preparation costs

Limit of UGX 5,000,000.

Quotation validity

Valid for 30 days from date of issue.

Scope of liability cover

What we cover.

Bodily injury or illness

Accidental bodily injury or illness to third parties arising from your business activities.

Injury includesbodily injury, illness and disability, and mental injury, shock, humiliation, wrongful arrest and defamation.

Accidental death

Accidental death of third parties resulting from your business activities.

Injury includesdeath, as set out in the policy definition of injury.

Third-party property damage

Accidental loss of or physical damage to property belonging to third parties.

Damage includesproperty loss or damage, loss of use, and certain intellectual property infringements.

Major extensions covered

Additional protection.

Additional Insured

Fire & Explosion

Cross Liability

Emergency Medical Expenses

Tenants’ Liability

Loading & Unloading of Vehicles

First Aid Treatment

Food & Drink Poisoning

Motor Liability Risks

Car Park Liability

Vehicle Movement Liability

Tools of Trade

Employee & Visitor Property

Cover for loss of or damage to employees’ and visitors’ property, up to UGX 5M.

Unattached Trailers

Staff Visits Abroad

Sudden & Accidental Pollution

Pedal Cycles

Wrongful Arrest & Defamation

Wrongful arrest, detention and defamation claims, up to UGX 10M each.

Lifts, Elevators & Hoists

Bailee’s Liability

Property in the insured’s custody.

Defective Sanitary Installations

Hired/Rented Plant Liability

Bodily Injury Extension

Sign Posts & Boards

Social Club Liability

Member-to-Member Liability

Animals Liability

Flood, Fumes & Pollution

Earthquake, Subsidence & Collapse

Legal Defence Costs

Away-from-Premises Risks

Tree Felling

Waiver of Subrogation against Employees

Property in Insured’s Care, Custody & Control

Claims Preparation Costs

Professional fees to prepare and negotiate a claim, up to UGX 5M.

Important exclusions

What this policy does
not automatically cover.

Employee injuries

Covered under Workers Compensation, not this policy.

Registered motor vehicles

Registered motor vehicles are not covered.

Your own property

Property you own or control, except rented premises.

Punitive damages

Punitive or exemplary damages are excluded.

Asbestos-related claims

Claims arising from asbestos are not covered.

War and related risks

War and related risks are not covered.

Nuclear contamination

Nuclear or radioactive contamination is excluded.

Wrongful advice

Liability arising from wrongful advice is excluded.

Product recall

Product recall or guarantee claims are not covered.

Pollution

Excluded unless sudden and accidental.

Contractual liabilities

Liability assumed under contract is excluded.

Products sold or supplied

Products you have sold or supplied are excluded.

Vibration and excavation

Damage from vibration, excavation or weakening of structures.

Claims process

How a claim works.

01
Report the incident

Tell us what happened, where, and when — as early as you can.
02
Share the documents

Send your policy details, photos, estimates and records.
03
Assessment and legal defence

GoldStar confirms cover and takes control of the defence.
04
Resolution

Once liability is confirmed, the claim is settled on policy terms.

Public Liability Key Features Statement

PDF · KEY FEATURES STATEMENT

Download PDF

Ready to protect
what matters?