Liability Insurance
Why liability insurance is critical for every business
Liability insurance protects businesses against the financial consequences of claims made by third parties, employees or customers for injury, property damage or financial loss caused by business activities, products or professional advice. Without adequate liability cover, a single significant claim can threaten the financial viability of any organisation. We help businesses across all sectors design liability programmes that cover public, product, employer and professional exposures, ensuring your business is protected against the full range of claims it could realistically face.
How we structure liability cover to protect your business
Risk assessment, tailored placement and specialist claims defence support.
Liability insurance can include public liability, product liability, employer liability, professional indemnity, excess liability and umbrella cover. We assess each client's activities, contracts and sector requirements to recommend the right combination of covers and appropriate limits of indemnity.
We help clients identify and mitigate liability exposures through contract reviews, workplace safety improvements, product safety protocols and professional standards frameworks. Reducing the frequency and severity of potential claims not only protects your business but also supports more competitive insurance terms.
Our team works with specialist liability insurers and excess markets to secure capacity for complex and high-limit placements. We negotiate policy wordings that provide clear, responsive coverage and support our clients with specialist claims defence when allegations arise against their business.
Liability Insurance
Frequently Asked Questions (FAQs)
What is the difference between public liability and product liability?
Public liability covers claims from third parties for injury or property damage caused by your business activities, while product liability specifically covers claims arising from defective products you manufacture or supply.