Specialty and financial risks
Liability Insurance
Employer’s, public, product, professional and directors’ and officers’ liability.
Liability insurance covers compensation claims and legal defence costs arising from harm you may cause to others through your activities. A single lawsuit can hit a company’s balance sheet far harder than a physical loss.
Who is it for?
- Every business with employees
- Manufacturers and importers of products
- Professionals such as doctors, engineers, lawyers and accountants
- Company directors and board members
What does it cover?
- Employer’s liability
- Public / third-party liability
- Product liability
- Professional indemnity
- Directors’ and officers’ liability (D&O)
- Environmental impairment liability
Scope and exclusions vary by insurer and programme. With every quote we summarise the policy wording in plain language.
What drives the price?
- Business activity and turnover
- Number of employees
- Limit required
- Claims history
Frequently asked questions
Who does D&O insurance protect?
It covers compensation claims and defence costs that company directors may personally face because of decisions taken in their role.