Third-party liability insurance for shops, from THB 2,090 per year
- Updated: 15 October 2026
Third-party liability insurance for shops, from THB 2,090 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 2,090–5,390 per year, depending on the limit of cover, including stamp duty and tax
Highlights: liability insurance for when a customer or another person is injured, or property is damaged, in your shop. Choose a limit of THB 1–5 million
A customer walks into the shop and slips on a freshly mopped floor, breaking a wrist that needs surgery. The customer's family asks the shop to take responsibility for the treatment costs and lost income. The owner of a small shop has to pay it all out of their own pocket.
Third-party liability insurance for shops and offices, with premiums in the low thousands: what does it cover and which businesses can take it?
Third-party liability insurance (Public Liability): who is it for and how much is the premium?
In short: Bangkok Insurance's legal liability insurance for business premises suits shops, restaurants, offices, beauty salons, tutoring schools and clinics that have customers coming and going every day. It covers your legal liability when an accident on the premises injures someone else or damages their property, with a limit of THB 1,000,000–5,000,000, plus 5 categories of additional cover. Premiums start from THB 2,090 per year for a limit of THB 1 million (as at 15 October 2026). The actual premium depends on the plan you choose.
What does Public Liability insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Legal liability for death, bodily injury, illness or harm to the health of third parties | THB 1,000,000–5,000,000 | Accidents on the business premises |
| Legal liability for third-party property damage | Included in the same limit | Includes the liability of employees |
| Car park hazards | 10% of the limit | Per accident and for the year |
| Food and drink poisoning | 10% of the limit | Per accident and for the year |
| Tenant's liability for fire and explosion | 10% of the limit | Per accident and for the year |
| Hazards from signboards on the premises | 10% of the limit | Per accident and for the year |
| Injury from first aid given by the insured | 10% of the limit | Per accident and for the year |
How much is the premium for Public Liability insurance?
Annual premiums, including stamp duty and tax. Data as at 15 October 2026
| Plan | Limit of cover (THB) | Starting premium (THB per year) |
|---|---|---|
| Plan 1 | 1,000,000 | 2,090 |
| Plan 2 | 2,000,000 | 3,150 |
| Plan 3 | 3,000,000 | 4,090 |
| Plan 4 | 4,000,000 | 4,650 |
| Plan 5 | 5,000,000 | 5,390 |
Every figure is a starting premium. The actual premium depends on the plan, the type of business and the insurer's underwriting decision. The quote is what counts.
Worked example: a restaurant chooses Plan 2 and a customer gets food poisoning
- Plan 2 has a main limit of THB 2,000,000 and a premium of THB 3,150 per year, averaging 3,150 ÷ 12 = about THB 263 per month
- Food and drink poisoning is additional cover with a limit of 10% of the main limit: 2,000,000 × 10% = THB 200,000 per accident and for the year
- If you chose Plan 1, this limit would be 1,000,000 × 10% = THB 100,000
This example is for illustration only. The amount actually paid depends on legal liability and the insurer's claim assessment. The rule of thumb: every category of additional cover is calculated at 10% of the main limit, so a higher plan raises this limit too.
Who is Public Liability insurance for?
- Offices in a building or shophouse, or a home office, that have customers or visitors coming and going
- Shops, restaurants, hairdressers, beauty salons and nail salons
- Tutoring schools of all kinds
- General clinics and aesthetic clinics that want cover for accidents on the premises
- Tenants who are concerned about their liability to the building owner for fire or explosion
Who should not buy this plan yet?
- Schools: this plan accepts tutoring schools but excludes regular schools
- Businesses that want cover for damage arising from professional advice or services: this is an exclusion of this plan. For doctors, see medical professional liability insurance
- Online businesses concerned about data and the internet: liability arising from electronic data and the internet is not covered. See cyber insurance
- Businesses that want to cover their own property: this plan looks after other people, not the shop's own building or stock
Limits to check before you decide
- Covers accidents on the business premises: incidents elsewhere are outside the main cover
- Each category of additional cover gets 10% of the main limit, both per accident and for the year
- Consequential loss, loss of profit and loss of use are not covered
- Liability arising from advice or technical or professional services is not covered, nor is liability from communication through networks, electronic data and the internet
- The exclusions on this page are only some of them. All the exclusions are in the policy
Want to know whether your business can be insured? What do you need to send?
Send just 2 things
- Type of business, and a photo of the shopfront or the office
- The limit of cover you want
Our team will check whether your business qualifies, and send you a written quote within a business day. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Related documents and links: Apply through Prakanthai.com on LINE
Frequently asked questions
If a customer slips and falls in the shop, does the insurance pay?
This plan covers the insured's legal liability for injury to third parties from an accident on the business premises. Actual payment depends on the facts and the policy conditions.
If a customer's car is damaged in the shop's car park, is it covered?
Car park hazards are additional cover, with a limit of 10% of the main limit, per accident and for the year.
If I rent premises for a shop and a fire spreads to the next unit, who pays?
This plan includes tenant's liability for fire and explosion, with a limit of 10% of the main limit. Payment depends on legal liability and the policy conditions.
If an employee injures a customer, is it covered?
The main cover includes the legal liability of the insured and/or employees arising from accidents on the business premises
Does the premium already include tax?
Yes. The premiums in the table include stamp duty and tax.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on the product information for legal liability insurance for business premises (third-party liability) of Bangkok Insurance Public Company Limited as at 15 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.