Liability insurance responds when a third party claims your business caused them injury, loss or damage. Cover is written with a limit per occurrence and, in some classes, an aggregate limit for the period.
- Third party liability for injury or property damage arising from your premises and operations
- Products liability for harm caused by goods after they leave your control
- Workmen's compensation and employer's liability for injury to your own employees
- Professional indemnity for financial loss caused by an error in advice or design
- Medical malpractice for hospitals, clinics and individual practitioners
Some of these are written on a claims-made basis, meaning the policy in force when the claim is notified responds, not the one in force when the work was done. Retroactive dates and run-off cover then matter as much as the limit itself.
What this covers
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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