Third Party Liability
Looking for reliable third party liability insurance in Lebanon? AS-SAAD Insurance Brokerage arranges public liability cover for businesses whose premises, operations, or staff could cause injury or property damage to members of the public. From shops, restaurants, and offices to hotels, schools, clinics, and building owners, we place cover that responds when a third party brings a claim against you, including the legal costs of defending it.
Structures
We offer multiple third party liability structures to suit different business sizes and exposures, including:
- Public Liability — injury or property damage to third parties arising from your premises or operations
- Product Liability — claims arising from goods you manufacture, supply, or sell
- Building Owners’ Liability — for landlords and building committees, covering common areas
Each option differs in indemnity limit, territorial scope, deductible, and the activities declared.
Scope of Cover
Subject to policy terms and conditions, coverage typically includes:
- Bodily injury to third parties on your premises
- Death of a third party arising from your operations
- Accidental damage to third-party property
- Legal defence costs and court-awarded compensation
- Liability arising from goods or services supplied (where product liability is selected)
- Tenant’s liability to the landlord (by extension)
Discovery & Notification
Claims must be notified to insurers as soon as you become aware of an incident or a potential claim, even before a formal demand arrives.
Do not admit liability, settle, or negotiate with a third party without the insurer’s written consent, as doing so can prejudice cover.
Keep incident records, photographs, witness details, and any correspondence or legal notices received.
Claim
Support
In the event of a third party claim, we notify insurers immediately, coordinate with loss adjusters and legal counsel, and manage the file through to settlement. Because liability claims often arrive as a legal notice rather than an incident report, early involvement matters. Contact us as soon as you become aware of a potential claim, not after proceedings begin.
Corporate
Coverage
We assist corporate clients with:
• Liability programmes covering multiple sites or branches
• Cover required under commercial lease agreements
• Certificates of insurance for tenders and contracts
• Event liability for exhibitions, conferences, and public gatherings
Regulatory Compliance
Third party liability is not compulsory under Lebanese law, but it is routinely required by commercial landlords, tender documents, and shopping-centre operators.
Important distinction: third party liability covers people who are not your employees. Injuries to your own staff fall under workmen compensation insurance. Many businesses assume one covers the other, that gap is where uninsured claims come from.
Ready to Protect Your Business and Your People?
Whether you need public liability cover for your premises or protection against third party injury and property damage claims, our experienced advisors are here to help.
We compare multiple insurance providers to secure the most suitable Third Party Liability solutions in Lebanon, tailored to your business size, footfall, indemnity limit, and contractual or lease requirements.
Speak to an expert today and receive your customized Third Party Liability quotation.
Fast response • Trusted since 1962 • Full claim support • Corporate plans
Most Commonly Asked Questions.
What is third party liability insurance?
Cover for legal liability when your business causes injury to a member of the public or damage to their property, including the cost of defending the claim.
Is third party liability insurance mandatory in Lebanon?
Not by law, but landlords, municipalities, and tender authorities commonly require it as a condition of doing business.
Does it cover my employees?
No. Employee injuries are covered under workmen compensation insurance, which is compulsory in Lebanon.
What indemnity limit should I choose?
It depends on footfall, the nature of your operations, and any limit specified in your lease or contract. We advise based on your actual exposure.
Does it cover damage to premises I rent?
Only if tenant’s liability is added by extension. Standard public liability excludes property in your care, custody, or control.
How quickly can cover be issued?
Usually within one to two working days once we have your activity details and required indemnity limit.