Definition: The word "insurance for public liability" refers to a policy or arrangement that provides financial protection against the cost of damages resulting from accidents or occurrences related to a public entity's property or assets, such as those owned by a government agency. This insurance coverage is often provided through a public liability insurance policy, which typically includes provisions for damage caused by acts committed in the course of official duties. The insurer may also provide additional coverage based on specific circumstances such as negligence, willful misconduct, and intentional harm. Insurance for public liability covers both physical losses (e.g., structural damage to property) and mental distress or injury resulting from a breach of duty, such as a violation of legal obligations by a government agency. It aims to protect the rights and interests of those affected by these events, ensuring that there is a means for recovery when necessary. In summary, insurance for public liability provides financial protection against claims related to official duties, including accidents or occurrences caused by government agencies' actions or negligence, through policies designed specifically to cover damage from such events.
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