Public Liability Insurance

Your public liability insurance policy will cover your legal liability to pay damages in the event of a third party (member of the public) sustaining bodily injury, death or damage to their property or person as a result of you business activities.


The public liability policy is designed to cover the legal cost to defend an allegation against your business and should you then be found neglectful, any damages awarded up to the level of indemnity you purchase.

Public liability insurance policies will, in most cases, also include product liability insurance which is designed to cover the products either sold or manufactured by a company.

Any product sold or even given away must be fit for purpose and you will be legally responsible for any damages or injury that a product you supply, if it goes wrong.


This policy is very necessary as it complies with the tenet of the new insurance Act 2006, Act 724 and Section 184, which makes it mandatory to all commercial business/ public places to be insured against third party liability risks.



Get Covered

Risk & Insurance Products

Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.

Life Insurance

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary an agreed sum of money upon the occurrence of the insured person's or persons death in return for the payment of a premium.

Prudential Group Life Insurance

Group Life Insurance assures employees that in the unlikely event of death, disability or critical illness, a multiple of their annual salary will be provided to their beneficiaries as a replacement income.

Travel Insurance

This policy provides financial relief to International travelers for medical expenses and hospitalization abroad, delayed departure, location and forwarding of baggage and personal effects,

Contractor's All Risk Insurance

This policy promises to indemnify the insured in respect of loss, damage or destruction of any of the contract works both temporary and permanent while in the cause of construction or whilst on the contract site etc

Bankers Indemnity Insurance

The policy indemnifies the insured for all losses sustained and discovered in the manner described here below within the period of insurance.

Directors & Officers Liability Insurance

Bad business decisions by directors and mangers are likely to attrac the increased attention of shareholders and other third parties who are looking to recover losses.

Group Funeral

The objective of this plan is to insure the obligations of the employer in the unlikely event of an employee's death.

Enterprise Living Plus Plan

The Enterprise Living Plus Plan is a “one-stop life insurance solution product” specifically designed to meet both the death and survival needs of the middle-class market.

Personal Insurances

Whether for your house, contents, vehicles or personal properties, WESTOM Insurance Brokers can help you to create bespoke solutions for your personal insurance need

There will be no need of insurance if we are living in a perfect world. Our cars,businesses, properties and homes will remain undamaged