Specialist Insurance

General Liability

With the Consumer Protection Act (CPA) being introduced in 2011, greater emphasis is now placed on the rights of the consumer with rights to claims against anyone in the chain from which the goods were supplied and / or services rendered.

Liability claims could devastate any company, irrespective of size of the entity or strength of their balance sheet, as this is usually an unknown and difficult to quantify.

General Liability policy typically provide for cover for liabilities as a Property Owner, Tenant or “General” liabilities.  Cover can also be included for Products Liability (damage, death or injury arising out of the use of a product of the insured company) or Defective Workmanship (cover only defective work after it has been handed over). As this is a vast topic, details of cover cannot be explained on our website. Please Contact Us for any queries you may have concerning liabilities.

Other Liabilities Include:

• Directors & Officers Liability – protection for Directors/Officers when sued in their personal capacity following a wrongful act by stakeholders and shareholders

• Employment Practices Liability – provides cover against various claims that could be laid against a company by its employees, ranging from unfair dismissals to sexual harassment.
  

• Cyber Liability – Designed to meet the requirements of IT professionals requiring comprehensive errors and omissions coverage, combined with cyber liability coverage for third and first party e-commerce exposures.
  

• Professional indemnity Liability – provides indemnity following either from a negligent act, or due to an error/omission causing a loss to a third-party.
  

• Errors and Omissions (can be included in “General Liability” policies) – cover for errors and omission on the part of the Insured (person or company)
  

• Pension Fund Trustees Liability – protects the Pension Fund and its trustees against possible claims relating to fraud and errors and omissions.