No matter how stringent the measures put in place to protect staff and the general public, businesses are exposed on a number of fronts. As a broker, we offer our clients access to a range of liability insurance carriers and products, including:
- Public liability
- Employer’s liability
- Product liability
- Product Recall and Guarantee
- Environmental liability
- Construction liability
- Contractors All Risks
Public Liability cover
Public Liability provides protection for you against loss arising from injury to persons (other than employees) or damage to their property. If a member of the public is injured whilst visiting your premises, this type of policy provides cover for you if you should be held responsible for such injury or property damage.
If it’s alleged that you did not take proper precautions to prevent an accident, your organisation could face a substantial damages claim. Public Liability Insurance protects you from the cost of such a claim. Having a proper policy in place ensures that, whatever happens, a damages claim from a member of the public will not put you out of business.
You will often need to have Public Liability Insurance to accept certain contracts or gain access to third party premises / sites.
Employers Liability insurance allows you to meet the cost of claims from current or former employees. It offers peace of mind that an accident in work or an illness suffered by an employee need not cripple your business. No two organisations are the same, and the cost of Employers Liability Insurance varies depending on your premises, your principle business and a range of other factors. Our experienced team strives to understand your business in depth to ensure we obtain a quotation tailored to your unique needs. Working with a range of insurers, we are confident we can deliver the cover most suitable for your needs at an affordable price.
Products Liability Insurance
Product liability insurance protects the business from claims related to the manufacture or sale of products, food, medicines or other goods to the public. It covers the manufacturer’s or seller’s liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn.
Contractors All Risks Insurance
Insurance of contract works and the materials used in the project, whether they be in transit, in storage or forming part of the contract works themselves, constitute a large portion of the overall exposure for building firms and contractors. With this in mind, Contractors All Risks Insurance is essential.