Under the public liability section of a shop insurance policy, property damage is excluded if the property belongs to?

The public liability section of a shop insurance policy is designed to cover claims made by third parties for injuries or damage that occurs due to the insured’s business activities. However, it includes specific exclusions regarding property damage.

Property damage is typically excluded if it pertains to property that belongs to the insured. This means that if an incident occurs that damages the insured's own property, the policy will not cover these damages. The rationale behind this exclusion is to prevent the insured from using liability insurance to cover their own losses, which would be more appropriately addressed through a separate property insurance policy. This ensures that public liability insurance remains focused on protecting against claims from third parties rather than covering the insured’s own risks.

In contrast, property belonging to others, such as a delivery driver, the insured's customers, or a leasing company, could be covered under public liability insurance if damaged due to the insured’s actions or negligence during business operations. Thus, the exclusion for property belonging to the insured is crucial in defining the scope and limits of coverage under a public liability insurance policy.