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Liability

Liability

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims

Public Liability
Covers legal liability claims which may be brought against the insured by the public in respect of accidental death or injury and accidental physical damage to property.
Employers Liability
Covers legal liability claims which may be brought against you in respect of accidental death, injury or illness to an employee arising out of or in the course of employment.

Professional indemnity
Offers protection for professional firms such as solicitors, architects and accountants against loss or damage suffered as a result of professional negligence.

Products Liability
Cover is intended for any company involved in manufacturing of goods . It covers the insured�s legal liabilities for death of or injury to a customer caused by a faulty product and also for any damage to their property, for example, foodstuffs with wrong ingredients can cause sickness or death; hair chemicals with wrong ingredients can cause damage e.t.c.

Defective Workmanship
This form of cover is available for businesses were physical work rather than products are involved such as a vehicle or machinery repairer. For example, if a component is put back wrongly into a vehicle or machinery and an accident results then the policy would cover for the resultant damaged.

Directors and Officers liability

Payable to the directors and officers of a company, to cover damages or defence costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Such coverage can extend to defence costs arising out of criminal and regulatory investigations/trials and were civil and criminal actions are brought against directors/officers simultaneously.