Every business has responsibilities. Whether you employ staff, work with customers, supply products or carry out work on other people's premises, understanding your liability exposures is an important part of protecting what you've built.
A customer injury, an employee accident, damage to third-party property or an issue involving a product you supply can all lead to allegations of legal liability.
Depending on the circumstances, defending a claim and meeting any resulting legal liabilities can create considerable financial pressure for a business.
Liability insurance is designed to help protect businesses against specified legal liabilities, subject to the terms, conditions, limits and exclusions of the policy.
From employees and customers to suppliers, contractors and members of the public, businesses interact with many different people and organisations. Understanding where responsibility may arise helps identify the types of insurance worth considering.
Different policies address different types of legal exposure. The right combination depends on your business activities, contractual responsibilities and individual circumstances.
If you employ people, you have responsibilities for their health, safety and welfare while they are working for you. Employers' Liability insurance is designed to cover specified legal liabilities arising from employee injury or illness connected with their employment.
Businesses can face allegations of causing injury to members of the public or damage to third-party property while carrying out their activities. Public Liability insurance is designed to address specified legal liabilities arising from these types of incidents.
If your business manufactures, supplies, distributes or sells products, you may face allegations that a product has caused injury or damage. Products Liability cover can help address specified legal liabilities arising from products supplied by your business.
Certain business activities can create a risk of pollution or environmental damage. Depending on the policy, environmental liability insurance may address specified liabilities and associated costs arising from pollution events.
The nature of your work, the people you employ and the customers you serve all influence the liability exposures you may need to consider.
Two businesses in the same industry can have very different insurance requirements. Understanding how your business operates is an important starting point.
We can discuss your activities, responsibilities and existing arrangements to help identify the areas of liability cover that may be relevant.
With over 40 years of commercial insurance experience, we believe in taking the time to understand the businesses we work with. We build relationships, provide personal service and remain available beyond the renewal date.
The information on this page is a general overview of liability insurance and is not a statement of policy cover. The availability and scope of cover depend on the insurer, policy wording, terms, conditions, limits, excesses and exclusions. Employers' Liability insurance is generally a legal requirement for businesses employing staff, subject to applicable exemptions. We can discuss your circumstances and help you explore suitable insurance options.
Whether you're arranging insurance for the first time or reviewing existing cover, speak to our team about the liability risks your business needs to consider.
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