General Liability insurance

No matter how careful the business or how stringent their policies, accidents do happen. In today’s litigation-driven society, a minor mishap like a slip or a trip can result in a major lawsuit. Small, unavoidable risks may have huge implications, which is why you need a policy that protects you against them.

General Liability is an essential element of your risk management armoury.

What is General Liability insurance?

General Liability insurance covers against third-party claims for injury or damage to someone else’s property. It is designed specifically to protect the financial assets of a company in the event of a lawsuit. It doesn't provide cover for damage to your own property. 

What does General Liability insurance cover?  

Howden is a specialised Liability broker. We work with our clients to tailor a policy that meets the requirements of their business, sector, and territory. That means that we can understand our clients’ exact risk profiles, and create a policy that offers comprehensive coverage.

Our General Liability policies cover our clients in the event of:

• Bodily injury
• Personal injury (such as through defamation or slander)
• Property damage
• Legal defence

Who needs General Liability insurance? 

General Liability affects every business and everyone who comes into contact with them. Our expert General Liability division support clients from every industry, including:

• Pharmaceutical
• Automotive
• Food and drink
• Energy
• Agriculture
• Chemical
• Construction
• Large event venues
   

Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a general liability claim. 

What is Employers' and Public Liability Insurance?

Liability insurance covers against third party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property. 

What does it cover?  

• Bodily injury
• Personal injury (such as through defamation or slander)
• Property damage
• Data loss
• Legal defence

Anything from old doormat to a rickety window pane to an erroneous web page can lead to a liability claim. 

*Source Allianz