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.

However careful the measures put in place to protect staff and the public, companies are exposed on a vast array of fronts. Even an incident such as an employee slipping on a wet floor, or a member of the public tripping on an exposed cable can give rise to a lawsuit. 

As increasingly high-profile cases whet the public’s appetite for litigation even further, companies must ensure they have specialist insurance in place - or face the very real danger of a financially crippling claim. 

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 - which makes it an essential weapon in your risk management armoury. 

A commercial General Liability policy is one of the most effective forms of coverage for any company in the event of a lawsuit. It doesn't provide cover for damage to your own property. Our experienced General Liability team works closely with each client to ensure a solution tailored to the specific demands of their business. 

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.

What does General Liability insurance cover?  

Every General Liability policy is tailored to meet the particular requirements of each client's business, sector, and territory. Working hand-in-hand with our clients, our team expertly combines an array of products to achieve comprehensive coverage to suit to the company's unique risk environment.

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

Each client must have complete confidence in their broker’s ability to meet their insurance coverage needs. At Howden, we do not accept compromise. If we are not 100% confident that an insurer-designed product meets your needs, we will build one that does. 

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. 

Meet the team

Photo of Firman Amersyah


Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Rusan Abubakar


Rusan Abubakar

Senior Vice President
Photo of Rusan Abubakar

Rusan Abubakar

Senior Vice President

Rusan joined Howden in December 2013 as Assistant Vice President in the General Non-EB Risks. Part of his responsibility is to include overall management and coordination of all general and non-employee benefit risks ranging from corporate, industry, marine, SME, affinity as well as financial risks.

Prior to joining Howden, Rusan worked with Aon for 13 years, handling large corporate clients.

Rusan has an extensive experience and knowledge to handle variety of large and complex risks ranging from industrial risks, palm mill risks to telecommunication risks. He has experiences as a professional broker for more than 15 years.

Rusan graduated from Krisnadwipayana University, majoring in economic and he holds professional insurance qualifications, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Approachable smiling woman working at PC

We’re approachable, insightful and won’t dive in to the hard sell

Got a question? We're always happy to help