Does public liability insurance cover billboards

The public place where the billboard is located is included in the scope of responsibility. According to the provisions of relevant laws in China, public liability insurance refers to the insurance that protects the insured for accidents that occur in public places, such as sports venues and entertainment venues during the business period, construction and installation projects during the construction period, and various enterprises in the production process.

The insurance liability of public liability insurance includes the economic liability and related legal litigation costs incurred by the insured during the insurance period and at the insured place according to law.

The coverage of public liability insurance mainly includes:

1. During the term of this insurance, if the insured suffers an accident due to the business within the scope specified in the schedule of this insurance policy, resulting in the personal and property losses of a third party, the insurance company shall be liable for the economic compensation borne by the insured according to the law, and the insurance company shall be responsible for compensation in accordance with the provisions of the following provisions.

2. The insurance company is also responsible for compensating the litigation costs paid by the insured due to the above reasons, as well as other expenses paid with the written consent of the insurance company in advance.

3. The amount of compensation caused by the insurance company for each accident shall be subject to the amount that should be reimbursed by the insured as determined by the court or relevant departments in accordance with the current law. However, in no event shall the limit of compensation per accident be exceeded, as set forth in the schedule of this insurance policy. During the term of this insurance, the insurance company's liability for the above-mentioned economic compensation under the insurance policy shall not exceed the cumulative compensation limit specified in the schedule of this insurance policy.

The definition of public liability insurance liability: "the economic compensation liability of the insured shall be borne by the insured in accordance with the law (the law of the People's Republic of China) if the third party's personal or property losses are caused by accidents in the area specified in the insurance policy during the insurance period". This insurance is not related to individual objects, and the subject of liability is liability.

If the exclusion you purchased does not mention the billboard exclusion, then all three losses caused by the billboard are covered. However, the billboard itself is your own property and cannot be covered under liability insurance.

1. What is the scope of liability of public liability insurance?

1. The scope of liability of public liability insurance is as follows:

1) The insured has an accident due to the operation of the business;Accident refers to an unforeseen event that is beyond the control of the insured and causes material damage or personal damage

2) Causing personal or property damage to a third party; The third party refers to the public who has no interest in the insured;

3) The accident must have occurred within the insurance period;

4) The first sock of the accident must occur in the place agreed in the insurance policy.

2. Legal basis: Article 10 of the Insurance Law of the People's Republic of China.

An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract. The insurer refers to the insurer that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

2. Compensation for liability insurance.

1. When the insured makes a claim, it shall provide the insurer with:

1) Insurance policy;

2) Valid identity certificate of the insured and the person on the vehicle, the driving license of the insured vehicle, and the driver's driving license;

3) Traffic accident liability determination issued by the traffic management department of the public security organ or relevant legal documents and other certificates issued by the court and other institutions;

4) Proof of the degree of personal disability of the personnel on the bus and relevant expense documents;

5) Other relevant certificates and materials that can confirm the nature, cause, and extent of loss of the insured accident.

2. When the insured accident occurs, if the insured does not have an insurance interest in the insured vehicle, he shall not claim compensation from the insurer;

3. In the event of a road traffic accident involving the insured vehicle, the insurer shall be liable for compensation according to the proportion of the driver's liability for the accident in the traffic accident;

4. According to the proportion of accident liability borne by the driver in a traffic accident, the insurance implements the corresponding accident liability exemption odds: 15% for the full responsibility, 10% for the main responsibility, 8% for the same responsibility, and 5% for the secondary liability. The accident liability deductible for unilateral accidents is 15%.

1. Scope of liability of public liability insurance: The insured shall bear the responsibility for economic compensation if the insured suffers personal or property damage to others due to an accident at the insured location during the validity period of the insurance.

2. Public liability insurance is actually the practice of public place operators to transfer liability by way of insurance, because any hail fiber public place has the risk of public liability accidents.

Insurance Law of the People's Republic of China

Article 23 After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an examination and approval in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money. If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation to pay compensation or insurance money to the person with the difference in compensation in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

The scope of liability of PICC public liability insurance is: if the wrongful act of the victim in a public activity place causes the loss of the person or property of others, then the insurance company may be responsible for the economic compensation liability that should be borne by the victim in accordance with the law. Public liability insurance, also known as general liability insurance or comprehensive liability insurance, is based on the public liability of the insured, and its legal basis is the civil law of various countries and relevant individual laws and regulations.

In addition, in some urban areas that are not public activities, if the public suffers damage in the place for which the person who caused the injury, it can also fall within the scope of public liability insurance.