Public liability policies contain a number of exclusions which define the cover provided, by excluding risks, many of which are covered by another type of policy. The key exclusions are:
- Injury to employees (as this is covered by an employers’ liability policy)
- Property belonging to the insured (as this is covered by a material damage policy)
- Products liability (as this is covered by a products liability policy)
- Contractual liability (this can sometimes be deleted with the agreement of insurers in relation to specific contract wordings)
- Cost of rectifying defective work
- Professional negligence (as this is covered by a professional indemnity policy)
- Motor vehicles (as these is covered by a motor policy)
- Vessels and craft (as these is covered by a marine policy)
- Lifts, elevators and boilers (as these are covered by an engineering policy)
- Gradually occurring pollution
- War risks
- Radioactive contamination
