Liability Insurances

If you are running a business, protecting yourself against legal costs is increasingly important as lawsuits become more common. Mistakes can sometimes be made at even the best-run businesses, and liability insurance can help ensure that an error on your part or on the part of one of your employees

doesn’t mean the end of your business.

There are a number of different types of liability insurance that are designed to protect your business and your customers in a wide range of different scenarios.

Public Liability

Public liability insurance provides cover for any legal liability incurred to third parties if they are injured or their property is damaged on your premises. The liability can be incurred through negligence on the part of you as the business owner, or your employees.

Product Liability

The burden of responsibility borne by manufacturers for the products they make seems to grow inexorably, and even when unsuccessful, a claim can be very costly to defend. Good product liability insurance is a must.

Professional Indemnity

Professional indemnity insurance is designed to cover liability for financial damages incurred by clients as a result of advice provided by you or your employees. This might occur through error, omission or an act of negligence.

Management Liability

Management liability insurance is there to protect the personal wealth of the managers of an organisation, as well as the financial interests of the company as a whole.

Directors And Officers Liability

This type of insurance protects directors and officers of a company from personal liability relating to errors or omissions made in connection with their corporate duties. In some cases, directors and officers liability insurance can also cover any money that the corporation is required to pay a director or officer as the result of legal action.

Association Liability

Not-for-profit organisations can be at just as high a risk of incurring a lawsuit as for-profit companies. Association liability insurance is designed to protect not-for-profit organisations from liability incurred through the provision of services or the conduct of activities. Contact us today to discuss your liability insurance needs.