General Liability insurance
General Liability insurance is cover against third-party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property.
The most likely claims you’ll make through your corporate Liability insurance will result from accidents such as slips and falls. Statistically, nearly half (48%) of all liability claims stem from such accidents.* But nearly 25% of annual global claims relate to defective products/work or services* making Product Liability and Completed Operation Liability insurance a modern business essential.
Engaging a broker who knows your industry and takes the time upfront to truly understand your business can result in more comprehensive cover at a highly cmpetitive price.
What does General Liability insurance cover?
- Bodily injury
- Personal injury (such as through defamation or slander)
- Property damage
- Data loss Legal defence
Who needs General Liability insurance?
Any business that deals with clients face-to-face, especially if they visit your premises or you work using their infrastructure or equipment, for example, if you are an IT contractor. General Liability really does affect every business entity and everyone who comes into contact with it.
Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a general liability claim.