Liability Insurance

Every private individual and organisation can incur liabilities if others suffer loss to person or property through their careless or negligent acts, defects in their property or goods supplied by them, or under certain statutes which impose liabilities upon them.

To meet these liabilities, the following policies have been devised:

• Employers' liability - covering employers for any sum which they may be liable to pay to any employee injured or diseased during working hours. This type of insurance is compulsory by law.
• Public liability - covering the liability of the insured at law to members of the public for injuries suffered or property damaged. 
• Products liability - covering the liability of the seller or manufacturer of goods which have caused injury or damage to others or their property. This cover is sometimes incorporated into a public liability policy.
• Professional liability - covering the professional person or firm against claims for loss due to wrong advice or failure to do what should have been done.
• Personal liability - covering the private individual against claims by the public for careless acts, other than those involving the insured's use of a motor vehicle and business activities, for example when one allows a dog to run onto the roadway and cause an accident.
• Product tamper - in recent years we have seen an increase in the number of cases where products have been tampered with by some third party and innocent consumers have been injured. Cover can be arranged to cover the cost of this liability, including the cost of recalling the entire batch of the product.
• Directors' and officers' liability - there has been an increasing tendency for courts to hold directors and officers personally responsible for their negligence in operating a company. Shareholders, creditors, customers, employees and others can now take action against directors as individuals. This type of insurance will provide cover for their defence costs as well as the amount of compensation which a director may be liable to pay.

Tradesman Policies

Liability product designed for self employed persons and small businesses (including limited companies) undertaking a variety of manual, clerical and professional trades

Key features

Choice of three limits for public and product liability £1m, £2m or £5m
Optional employers liability to £10m
Optional Contractors All Risks, tools and goods in transit
Automatic temporary employees extension for up to 50 working days
Cover for bona fide subcontractors
Indemnity to principal
Compensation and legal costs
Court attendance costs
Option to extend tools cover to include theft from unattended vehicles

Benefits

24 hour, 365 days claims helplines
Free business, legal and taxation helplines
Up to 10 employees can be included in the policy
Over 100 trades and professions accepted
No minimum premium
No claims discounts available