Liability Insurance provides compensation in the event of personal injury and property damage that arises in connection with the business. In addition to compensation payable, the policy also provides defence costs even if the action against you is groundless, false or fraudulent.

• Public Liability
  Bodily injury to third parties, and/or damage to third party property.
• Product Liability
  Injury to third parties, damage to third party property and advertising liability caused by products manufactured or sold by you.
• Professional Indemnity/Errors and Omissions
  Claims made due to a breach or alleged breach of professional duty or error in the conduct of your business, which gives rise to a financial loss by a third party who acted on advice given by you, your employees or consultants.
• Directors and Officers Liability
  Personal liability of directors, arising from their duties as directors, as well as legal expenses incurred by the business in successfully defending any action brought against an individual director or other person.
• Employment Practices Liability
  Costs and awards your business is legally liable to pay due to claims made by your employees in respect to employment issues.
• Workers' Compensation
  Compulsory insurance that covers your employees for injuries specified by Workers' Compensation legislation.
• Association Liability
  Covers public liability for the association and the personal liability of its officers and/or committee.