Commercial Liability 

insurance protects companies against financial loss resulting from liability for damage they cause to others. This includes damage caused by the company’s employees or by the company’s products and services, as well as personal injury on company premises.

Why do you need commercial liability insurance?

Legal costs

Provides cover for legal defence in legal disputes and pays the indemnities set out in the policy

Broad cover tailored to your business

Covers a wide range of risks including product, premises, property and environmental liability.

Reputational risk

Protects your reputation and builds trust with your customers.

Key features of commercial liability insurance

Industry-specific risks

  • Includes product recalls, loss of use, dismantling and assembly costs, damage to third party stored property

Flexible contract options

  • Customizable Limits: Companies can choose their coverage limits based on their specific risk exposure and budget requirements.
  • Additional Coverages: Many policies can include additional coverages, such as advertising injury that covers defamation claims.

Support and services

  • Risk Management Advices: Insurers often offer risk management services to help businesses minimise their liability risk.
  • Fast Claims Handling: Insurance companies usually offer efficient claims handling to minimise business interruption.

Commercial liability insurance is a fundamental necessity for any business, large or small. It not only protects against financial liabilities and legal disputes, but also increases the credibility and operational security of the company in dealing with the risks associated with its activities.