Liabilities

We can arrange a wide variety of liability cover—including product, employer’s and public liability insurance; management liability cover for limited companies, charities and clubs or associations.

No matter what line of work you’re in, your actions, and those of your colleagues, could present a risk to employers, employees and third parties (such as suppliers, customers and members of the public). If any of these were to suffer death, injury, illness, loss or damage because of your actions, you could find yourself financially liable. 

Loss or damage can occur for all sorts of reasons, not just health & safety-related. Liability insurance is there to help pay any compensation and legal costs which could arise if a worker is discovered to be at fault (‘liable’). The kind of liability cover you may need will depend on the size and nature of your business, and the risks you face. Our friendly advisors will help you decide what you may need. 

Core liabilities insurance

While some business need specific types of liability cover, most will require three core pieces of liability insurance: product, employer’s and public. 

Management liability insurance

Suitable for limited companies, charities and clubs or associations, this can include directors’ and officers’ cover), employment practices liability, and company, charity, club or association legal liability.

Cyber liability insurance

This liability protection covers internet professionals, e-commerce companies including ‘bricks and clicks’, plus internet advertisers and more.

Environmental liability insurance

This covers complex, expensive liabilities arising from pollution incidents, including accidents, human error and equipment malfunctions—particularly if storing chemicals, or close to a watercourse or a large wildlife habitat.

Relevant Exclusions

Exclusions or limitations apply.