The effect on your business of a large liability claim could be disastrous. If someone is injured, dies, or their property is damaged in the course of your business activities you could be taken to court and sued for compensation. Should it be proven that the accident was caused through your negligence, or that of an employee, you will be held legally liable and required to pay compensation. Injury claims in particular, can result in hefty damages being awarded.
Whilst liability can arise in a number of ways the three main types of Liability Insurance, all involve claims where there has been actual bodily injury, illness or property damage, as opposed to financial losses.
Deals with claims involving injury, illness or death of employees.
Public Liability Insurance
Provides cover for claims arising from injury, illness or death of members of the public, or damage to their property, or property belonging to employees.
Injury or damage caused by any Products you have manufactured or sold would be excluded from a Public Liability policy, but can be covered under a Products Liability Policy.
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