Liability insurance is designed to pay any compensation and legal costs that occur if an employer is found to be at fault. If you employ anyone it is most likely that you will need to have employers' liability compulsory insurance (ELCI).
In the event that you are successfully sued by a third party your liability insurance will be able to pick up the costs for the compensation that has been awarded against you and any legal costs that you have occurred as a result of defending your claim.
Associations & Charities
a package insurance policy designed for charities and 'not for profit' associations which can include many different types of insurance such as legal expenses, professional indemnity, executive/trustee liability and fidelity.
Cyber Liability
Insurance against losses and liabilities arising out of using the internet, computer systems and email.
Directors & Officers Liability
Insurance for directors, officers & managers of a company against being personally sued.
Employers Liability
Insurance against claims arising from injury or illness sustained by employees. Compulsory in the UK.
Environmental Impairment Liability
Insurance against the environmental risks that come with owning or operating a facility or site (also known as pollution insurance).
Pension Trustee Liability
Insurance protection for trustees, employees, the company itself as well as the actual fund against claims brought against them for actual or alleged wrongful acts which have placed the plan's assets at risk.
Product Recall / Guarantee
Product Recall Insurance protects businesses from the costs of recalling a faulty product, due to accidental or malicious tampering. Product Guarantee Insurance gives protection against legal liability arising from a product failing to perform its intended function.
Products Liability
Insurance against claims arising from injury, illness or damage from goods which you've sold or supplied.
Professional Indemnity
Insurance against claims arising from professional negligence and/or breach of duty.
Public Liability
Insurance against claims arising from injury, illness or damage to third parties, not yourself or your own employees.
