Public Liability Public liability covers third-party injury and property damage.

What is public liability?

Cover for accidentally harming others. As a King Price client you will see public liability referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How public liability works

public liability is governed by the terms set out in the King Price Policy Document and the individual schedule issued for your policy. Your schedule always overrides the master wording where they differ, so the values, limits and conditions that apply to you appear there in plain English.

King Price reviews the application of public liability at every renewal, and any change to your risk profile, address, vehicle, security or claims history is taken into account. The Treating clients Fairly framework requires this detail to be communicated clearly before any change takes effect.

Example

Naledi commutes daily between Centurion and Rosebank. Visitor trips on broken tile. In this scenario, public liability determines the practical outcome for the client. The exact numbers depend on the cover option, the excess on the schedule and the limits set out in the policy document.

Why public liability matters

Understanding public liability helps King Price clients make better decisions about cover. It affects the monthly premium, the payout at claim stage, and the steps required before and after an incident. Getting it right means no surprises at claim time.

King Price aims to make insurance great again with plain-English wording, transparent premiums and a direct relationship with clients. Clear terminology like public liability is part of that promise.