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

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Firman Amersyah
Senior Vice President
Photo of Rusan Abubakar


Rusan Abubakar
Senior Vice President
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We’re approachable, insightful and won’t dive in to the hard sell

Got a question? We're always happy to help