Liability Insurance
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Some businesses do not have much in the way of a premises-based risk, but they might still have a large liability exposure. A good example is the construction industry. For businesses of this type, it is often more appropriate to have a stand alone liability insurance policy, which stands apart from a small commercial combined or office policy.
Modern liability insurance policies usually include sections for:
- Employer’s Liability
- this deals with the insured’s liability towards their employees and labour only sub-contractors.
- Public Liability
- this deals with the insured’s liability towards all other third parties, other than staff and labour only sub-contractors.
- Product Liability
- this protects the insured for their liability arising out of products supplied.
Various limits can be purchased to suit a client’s requirements. We are happy to review contract conditions to ensure maximum protection for our clients.
The above statement is not designed to act as a summary of cover, but is intended as a general guide only. It should not be relied upon as confirmation that any particular item is covered by a policy held.
In each case, we will be happy to discuss the cover provided.
